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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 | $31,273 | $101,653-69.2% | $147,080-78.7% | $74,459-58.0% |
| Participation rate | 13.1% | 75.6%-62.5pp | 82.2%-69.1pp | 67.2%-54.1pp |
| Annual return | 13.83% | 8754.98%-8741.1pp | 420.17%-406.3pp | 1369.70%-1355.9pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,570 | $7,304-78.5% | $8,066-80.5% | $4,350-63.9% |
| Admin fee / account holder | $3,273 | $1,752+86.8% | $12,989-74.8% | $1,945+68.3% |