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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 | $2,887 | $49,896-94.2% | $80,627-96.4% | $75,173-96.2% |
| Participation rate | 7.4% | 55.3%-47.9pp | 67.0%-59.6pp | 67.2%-59.8pp |
| Annual return | 19.71% | 34.67%-15.0pp | 936.76%-917.1pp | 160.72%-141.0pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,723-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $105 | $2,992-96.5% | $4,443-97.6% | $4,126-97.5% |
| Admin fee / account holder | $342 | $3,578-90.4% | $5,381-93.6% | $5,651-93.9% |