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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 | $4,886 | $75,832-93.6% | $147,617-96.7% | $59,633-91.8% |
| Participation rate | 59.1% | 71.6%-12.4pp | 84.6%-25.5pp | 68.7%-9.5pp |
| Annual return | -1.74% | 0.37%-2.1pp | 61.98%-63.7pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $381 | $3,485-89.1% | $5,564-93.2% | $2,203-82.7% |
| Participant deferral / active EE | $747 | $3,131-76.1% | $4,895-84.7% | $3,192-76.6% |
| Admin fee / account holder | $977 | $5,986-83.7% | $11,612-91.6% | $4,297-77.3% |