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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 | $16,132 | $102,429-84.3% | $147,096-89.0% | $80,925-80.1% |
| Participation rate | 6.5% | 75.9%-69.4pp | 82.2%-75.7pp | 67.7%-61.2pp |
| Annual return | 92.33% | 135.02%-42.7pp | 419.75%-327.4pp | 35.65%+56.7pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $334 | $6,649-95.0% | $8,071-95.9% | $4,299-92.2% |
| Admin fee / account holder | $1,876 | $7,957-76.4% | $13,005-85.6% | $6,940-73.0% |