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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 | $2,952 | $59,467-95.0% | $93,727-96.9% | $74,478-96.0% |
| Participation rate | 36.7% | 59.6%-22.9pp | 68.7%-32.0pp | 67.2%-30.6pp |
| Annual return | 12.01% | 82.14%-70.1pp | 133.83%-121.8pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $454 | $3,052-85.1% | $4,417-89.7% | $4,350-89.6% |
| Admin fee / account holder | $535 | $3,028-82.3% | $8,292-93.6% | $1,946-72.5% |