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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 | $47,018 | $116,081-59.5% | $156,181-69.9% | $79,634-41.0% |
| Participation rate | 21.3% | 75.6%-54.3pp | 78.8%-57.6pp | 62.5%-41.2pp |
| Annual return | 13.61% | 15.89%-2.3pp | 64.87%-51.3pp | 36.46%-22.9pp |
| Employer contribution / active EE | $0 | $2,828-100.0% | $4,294-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $532 | $4,584-88.4% | $6,132-91.3% | $3,835-86.1% |
| Admin fee / account holder | $3,866 | $854+352.5% | $14,586-73.5% | $1,002+285.8% |