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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 | $4,132 | $57,305-92.8% | $86,640-95.2% | $75,173-94.5% |
| Participation rate | 26.9% | 63.2%-36.3pp | 71.7%-44.8pp | 67.2%-40.3pp |
| Annual return | 17.81% | 2674.24%-2656.4pp | 592.52%-574.7pp | 160.72%-142.9pp |
| Employer contribution / active EE | $0 | $2,316-100.0% | $3,024-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $347 | $3,320-89.6% | $4,438-92.2% | $4,126-91.6% |
| Admin fee / account holder | $458 | $4,116-88.9% | $5,616-91.8% | $5,651-91.9% |