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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 | $6,076 | $105,210-94.2% | $159,487-96.2% | $85,851-92.9% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.8%-32.8pp | 69.3%-19.3pp |
| Annual return | 0.00% | 45.08%-45.1pp | 263.71%-263.7pp | 318.63%-318.6pp |
| Employer contribution / active EE | $1,029 | $3,319-69.0% | $4,831-78.7% | $2,565-59.9% |
| Participant deferral / active EE | $1,934 | $5,946-67.5% | $7,354-73.7% | $3,952-51.1% |
| Admin fee / account holder | $614 | $6,934-91.1% | $10,804-94.3% | $6,261-90.2% |