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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 | $7,107 | $59,467-88.0% | $93,727-92.4% | $74,478-90.5% |
| Participation rate | 16.5% | 59.6%-43.1pp | 68.7%-52.2pp | 67.2%-50.7pp |
| Annual return | 11.83% | 82.14%-70.3pp | 133.83%-122.0pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $523 | $3,052-82.9% | $4,417-88.2% | $4,350-88.0% |
| Admin fee / account holder | $940 | $3,028-69.0% | $8,292-88.7% | $1,946-51.7% |