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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 | $11,779 | $102,429-88.5% | $147,096-92.0% | $80,925-85.4% |
| Participation rate | 45.0% | 75.9%-30.9pp | 82.2%-37.2pp | 67.7%-22.7pp |
| Annual return | 12.73% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,060 | $6,649-69.0% | $8,071-74.5% | $4,299-52.1% |
| Admin fee / account holder | $3,477 | $7,957-56.3% | $13,005-73.3% | $6,940-49.9% |