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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 | $23,338 | $102,382-77.2% | $147,005-84.1% | $80,874-71.1% |
| Participation rate | 23.3% | 75.8%-52.5pp | 82.2%-58.8pp | 67.6%-44.3pp |
| Annual return | 17.40% | 134.89%-117.5pp | 418.76%-401.4pp | 35.62%-18.2pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,934-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,942 | $6,646-70.8% | $8,070-75.9% | $4,297-54.8% |
| Admin fee / account holder | $624 | $7,942-92.1% | $13,006-95.2% | $6,935-91.0% |