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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 | $2,156 | $47,163-95.4% | $149,696-98.6% | $74,460-97.1% |
| Participation rate | 9.1% | 63.4%-54.3pp | 78.8%-69.6pp | 70.7%-61.6pp |
| Annual return | 172.35% | 22.75%+149.6pp | 134.46%+37.9pp | 34.38%+138.0pp |
| Employer contribution / active EE | $0 | $1,907-100.0% | $4,821-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $244 | $2,730-91.1% | $5,682-95.7% | $4,530-94.6% |
| Admin fee / account holder | $507 | $343+47.9% | $13,212-96.2% | $348+45.8% |