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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 | $4,132 | $85,766-95.2% | $136,298-97.0% | $70,126-94.1% |
| Participation rate | 9.4% | 74.2%-64.8pp | 81.9%-72.5pp | 69.5%-60.2pp |
| Annual return | 39.69% | 31.46%+8.2pp | 5156.27%-5116.6pp | 73.15%-33.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $239 | $5,051-95.3% | $6,247-96.2% | $3,332-92.8% |
| Admin fee / account holder | $717 | $5,421-86.8% | $9,244-92.2% | $4,645-84.6% |