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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 | $9,591 | $52,581-81.8% | $130,788-92.7% | $64,340-85.1% |
| Participation rate | 5.5% | 46.5%-41.1pp | 70.1%-64.6pp | 55.2%-49.8pp |
| Annual return | 26.10% | 20.39%+5.7pp | 386.44%-360.3pp | 24.14%+2.0pp |
| Employer contribution / active EE | $0 | $1,031-100.0% | $3,558-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $188 | $2,200-91.4% | $4,137-95.4% | $2,980-93.7% |
| Admin fee / account holder | $764 | $4,583-83.3% | $6,673-88.5% | $3,703-79.4% |