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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 | $2,206 | $52,353-95.8% | $120,225-98.2% | $82,448-97.3% |
| Participation rate | 60.8% | 58.3%+2.5pp | 69.6%-8.8pp | 68.1%-7.3pp |
| Annual return | 21.97% | 61.85%-39.9pp | 439.23%-417.3pp | 41.64%-19.7pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $597 | $2,627-77.3% | $3,999-85.1% | $4,139-85.6% |
| Admin fee / account holder | $487 | $4,363-88.8% | $5,696-91.5% | $7,234-93.3% |