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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 | $4,085 | $82,678-95.1% | $125,391-96.7% | $68,490-94.0% |
| Participation rate | 4.3% | 75.1%-70.8pp | 82.4%-78.1pp | 67.9%-63.6pp |
| Annual return | 2248.32% | -5.97%+2254.3pp | 572.41%+1675.9pp | -7.85%+2256.2pp |
| Employer contribution / active EE | $0 | $3,382-100.0% | $4,816-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $285 | $6,111-95.3% | $7,448-96.2% | $4,028-92.9% |
| Admin fee / account holder | $14,325 | $6,277+128.2% | $10,009+43.1% | $5,403+165.1% |