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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 | $1,613 | $47,479-96.6% | $62,929-97.4% | $82,448-98.0% |
| Participation rate | 58.8% | 66.9%-8.0pp | 73.1%-14.3pp | 68.1%-9.2pp |
| Annual return | 24.29% | 20.34%+3.9pp | 1063.93%-1039.6pp | 41.64%-17.4pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $689 | $2,870-76.0% | $3,888-82.3% | $4,139-83.4% |
| Admin fee / account holder | $369 | $3,804-90.3% | $5,065-92.7% | $7,234-94.9% |