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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 | $8,600 | $52,836-83.7% | $105,738-91.9% | $64,181-86.6% |
| Participation rate | 15.9% | 66.5%-50.6pp | 76.3%-60.4pp | 69.6%-53.6pp |
| Annual return | 263.38% | 14.30%+249.1pp | 6.27%+257.1pp | 7.63%+255.7pp |
| Employer contribution / active EE | $0 | $1,827-100.0% | $3,268-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $364 | $2,545-85.7% | $4,080-91.1% | $3,470-89.5% |
| Admin fee / account holder | $1,271 | $3,959-67.9% | $6,913-81.6% | $4,887-74.0% |