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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 | $2,563 | $66,124-96.1% | $90,461-97.2% | $73,497-96.5% |
| Participation rate | 8.6% | 69.7%-61.1pp | 72.7%-64.1pp | 70.7%-62.1pp |
| Annual return | 19.45% | 17.65%+1.8pp | 1294.76%-1275.3pp | 28.51%-9.1pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,264-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $120 | $3,039-96.1% | $3,964-97.0% | $3,740-96.8% |
| Admin fee / account holder | $521 | $396+31.5% | $5,617-90.7% | $513+1.6% |