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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 | $2,386 | $34,316-93.0% | $74,722-96.8% | $72,975-96.7% |
| Participation rate | 9.5% | 42.4%-32.9pp | 54.5%-44.9pp | 69.5%-60.0pp |
| Annual return | 31.83% | 26.58%+5.2pp | 753.11%-721.3pp | 81.01%-49.2pp |
| Employer contribution / active EE | $0 | $692-100.0% | $1,084-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $242 | $1,272-81.0% | $1,963-87.7% | $3,608-93.3% |
| Admin fee / account holder | $602 | $2,125-71.7% | $3,335-81.9% | $5,124-88.3% |