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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 | $4,575 | $26,114-82.5% | $58,544-92.2% | $74,440-93.9% |
| Participation rate | 1.6% | 32.1%-30.5pp | 50.9%-49.2pp | 70.7%-69.1pp |
| Annual return | 299.45% | 32.51%+266.9pp | 4249.56%-3950.1pp | 34.37%+265.1pp |
| Employer contribution / active EE | $0 | $536-100.0% | $1,053-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $70 | $1,075-93.5% | $1,923-96.4% | $4,529-98.5% |
| Admin fee / account holder | $1,084 | $649+67.1% | $2,520-57.0% | $348+211.8% |