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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 | $3,712 | $60,119-93.8% | $90,430-95.9% | $79,858-95.4% |
| Participation rate | 32.3% | 65.0%-32.7pp | 72.7%-40.4pp | 69.6%-37.4pp |
| Annual return | 72.75% | 71.94%+0.8pp | 1293.73%-1221.0pp | 31.72%+41.0pp |
| Employer contribution / active EE | $300 | $2,068-85.5% | $3,262-90.8% | $2,471-87.9% |
| Participant deferral / active EE | $710 | $2,938-75.8% | $3,963-82.1% | $3,740-81.0% |
| Admin fee / account holder | $325 | $3,976-91.8% | $5,613-94.2% | $5,306-93.9% |