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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 | $7,957 | $102,393-92.2% | $147,041-94.6% | $80,911-90.2% |
| Participation rate | 57.7% | 75.9%-18.2pp | 82.2%-24.5pp | 67.6%-10.0pp |
| Annual return | 13.56% | 134.95%-121.4pp | 419.21%-405.6pp | 35.63%-22.1pp |
| Employer contribution / active EE | $0 | $3,715-100.0% | $4,935-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $2,578 | $6,647-61.2% | $8,071-68.1% | $4,297-40.0% |
| Admin fee / account holder | $1,739 | $7,943-78.1% | $13,006-86.6% | $6,935-74.9% |