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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 | $15,702 | $52,188-69.9% | $86,656-81.9% | $74,473-78.9% |
| Participation rate | 4.4% | 66.3%-61.9pp | 71.7%-67.3pp | 70.7%-66.3pp |
| Annual return | 15.48% | 44.46%-29.0pp | 593.09%-577.6pp | 34.36%-18.9pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,025-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $304 | $3,383-91.0% | $4,439-93.2% | $4,530-93.3% |
| Admin fee / account holder | $1,605 | $319+403.6% | $5,619-71.4% | $347+362.4% |