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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 | $509 | $52,353-99.0% | $120,225-99.6% | $82,448-99.4% |
| Participation rate | 29.2% | 58.3%-29.1pp | 69.6%-40.4pp | 68.1%-38.9pp |
| Annual return | 29.93% | 61.85%-31.9pp | 439.23%-409.3pp | 41.64%-11.7pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $187 | $2,627-92.9% | $3,999-95.3% | $4,139-95.5% |
| Admin fee / account holder | $385 | $4,363-91.2% | $5,696-93.2% | $7,234-94.7% |