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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 | $5,852 | $51,878-88.7% | $68,368-91.4% | $79,634-92.7% |
| Participation rate | 6.1% | 53.7%-47.6pp | 73.8%-67.7pp | 62.5%-56.4pp |
| Annual return | 19.19% | 137.43%-118.2pp | 292.57%-273.4pp | 36.46%-17.3pp |
| Employer contribution / active EE | $0 | $1,931-100.0% | $2,649-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $52 | $2,577-98.0% | $4,123-98.7% | $3,835-98.6% |
| Admin fee / account holder | $722 | $942-23.3% | $5,150-86.0% | $1,002-27.9% |