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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 | $14,655 | $74,661-80.4% | $160,784-90.9% | $67,986-78.4% |
| Participation rate | 11.8% | 57.1%-45.3pp | 77.0%-65.1pp | 57.2%-45.4pp |
| Annual return | 20.89% | 28.83%-7.9pp | 1803.92%-1783.0pp | 31.67%-10.8pp |
| Employer contribution / active EE | $0 | $1,829-100.0% | $3,733-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $333 | $3,681-90.9% | $6,293-94.7% | $3,358-90.1% |
| Admin fee / account holder | $387 | $3,959-90.2% | $9,717-96.0% | $3,203-87.9% |