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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 | $2,302 | $52,353-95.6% | $120,225-98.1% | $82,448-97.2% |
| Participation rate | 31.3% | 58.3%-27.1pp | 69.6%-38.3pp | 68.1%-36.8pp |
| Annual return | 22.42% | 61.85%-39.4pp | 439.23%-416.8pp | 41.64%-19.2pp |
| Employer contribution / active EE | $276 | $1,510-81.7% | $3,475-92.1% | $2,551-89.2% |
| Participant deferral / active EE | $301 | $2,627-88.5% | $3,999-92.5% | $4,139-92.7% |
| Admin fee / account holder | $1,333 | $4,363-69.4% | $5,696-76.6% | $7,234-81.6% |