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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 | $4,741 | $47,479-90.0% | $62,929-92.5% | $82,448-94.2% |
| Participation rate | 18.6% | 66.9%-48.3pp | 73.1%-54.5pp | 68.1%-49.5pp |
| Annual return | 25.46% | 20.34%+5.1pp | 1063.93%-1038.5pp | 41.64%-16.2pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $304 | $2,870-89.4% | $3,888-92.2% | $4,139-92.6% |
| Admin fee / account holder | $350 | $3,804-90.8% | $5,065-93.1% | $7,234-95.2% |