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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,183 | $45,109-73.0% | $85,187-85.7% | $77,736-84.3% |
| Participation rate | 10.6% | 48.7%-38.0pp | 67.5%-56.9pp | 70.6%-60.0pp |
| Annual return | 13.86% | 79.55%-65.7pp | 66.67%-52.8pp | 31.26%-17.4pp |
| Employer contribution / active EE | $0 | $1,602-100.0% | $2,732-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $338 | $2,814-88.0% | $4,525-92.5% | $4,651-92.7% |
| Admin fee / account holder | $597 | $915-34.8% | $6,162-90.3% | $433+37.7% |