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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 | $16,199 | $84,685-80.9% | $142,942-88.7% | $67,986-76.2% |
| Participation rate | 55.7% | 61.4%-5.7pp | 76.8%-21.1pp | 57.2%-1.5pp |
| Annual return | 1071.00% | 35.89%+1035.1pp | 113.70%+957.3pp | 31.67%+1039.3pp |
| Employer contribution / active EE | $0 | $2,263-100.0% | $4,139-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $914 | $3,832-76.1% | $7,128-87.2% | $3,358-72.8% |
| Admin fee / account holder | $3,245 | $3,229+0.5% | $12,475-74.0% | $3,203+1.3% |