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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 | $12,405 | $63,456-80.5% | $100,712-87.7% | $64,097-80.6% |
| Participation rate | 12.4% | 49.7%-37.3pp | 69.3%-56.9pp | 55.2%-42.8pp |
| Annual return | 37.51% | 19.65%+17.9pp | 33.27%+4.2pp | 34.64%+2.9pp |
| Employer contribution / active EE | $0 | $1,003-100.0% | $2,313-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $433 | $2,463-82.4% | $4,085-89.4% | $3,080-85.9% |
| Admin fee / account holder | $3,866 | $4,808-19.6% | $9,256-58.2% | $3,454+11.9% |