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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 | $2,209 | $60,139-96.3% | $90,461-97.6% | $79,856-97.2% |
| Participation rate | 20.5% | 65.0%-44.5pp | 72.7%-52.2pp | 69.6%-49.1pp |
| Annual return | 16.99% | 71.96%-55.0pp | 1294.76%-1277.8pp | 31.71%-14.7pp |
| Employer contribution / active EE | $0 | $2,069-100.0% | $3,264-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $248 | $2,939-91.6% | $3,964-93.7% | $3,741-93.4% |
| Admin fee / account holder | $408 | $3,978-89.7% | $5,617-92.7% | $5,306-92.3% |