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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 | $2,935 | $70,430-95.8% | $96,572-97.0% | $85,851-96.6% |
| Participation rate | 9.9% | 61.8%-51.9pp | 69.8%-59.9pp | 69.3%-59.4pp |
| Annual return | 56.42% | 18.58%+37.8pp | 37.79%+18.6pp | 318.63%-262.2pp |
| Employer contribution / active EE | $0 | $1,413-100.0% | $2,357-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $344 | $2,894-88.1% | $3,850-91.1% | $3,952-91.3% |
| Admin fee / account holder | $502 | $4,996-90.0% | $6,183-91.9% | $6,261-92.0% |