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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 | $5,570 | $50,860-89.0% | $155,574-96.4% | $77,714-92.8% |
| Participation rate | 11.0% | 63.1%-52.1pp | 78.2%-67.2pp | 70.6%-59.6pp |
| Annual return | 99.28% | 34.86%+64.4pp | 64.87%+34.4pp | 31.26%+68.0pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,676-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $336 | $2,825-88.1% | $5,629-94.0% | $4,649-92.8% |
| Admin fee / account holder | $522 | $436+19.6% | $15,914-96.7% | $433+20.5% |