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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 | $8,161 | $84,493-90.3% | $125,381-93.5% | $66,938-87.8% |
| Participation rate | 14.7% | 76.4%-61.7pp | 82.4%-67.7pp | 69.8%-55.1pp |
| Annual return | 125.92% | -8.49%+134.4pp | 572.31%-446.4pp | 1.58%+124.3pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $360 | $6,783-94.7% | $7,448-95.2% | $4,238-91.5% |
| Admin fee / account holder | $1,711 | $685+149.7% | $10,007-82.9% | $594+188.2% |