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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 | $31,967 | $89,739-64.4% | $149,716-78.6% | $62,293-48.7% |
| Participation rate | 7.0% | 85.1%-78.1pp | 87.1%-80.0pp | 69.5%-62.5pp |
| Annual return | 17.96% | 21.01%-3.1pp | 1501.67%-1483.7pp | 28.90%-10.9pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $5,444-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $393 | $4,797-91.8% | $6,568-94.0% | $3,169-87.6% |
| Admin fee / account holder | $9,777 | $551+1673.6% | $11,282-13.3% | $479+1939.7% |