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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 | $4,414 | $77,157-94.3% | $108,405-95.9% | $85,851-94.9% |
| Participation rate | 20.0% | 74.7%-54.7pp | 80.1%-60.1pp | 69.3%-49.3pp |
| Annual return | 51.28% | 44.55%+6.7pp | 905.55%-854.3pp | 318.63%-267.4pp |
| Employer contribution / active EE | $328 | $2,379-86.2% | $3,559-90.8% | $2,565-87.2% |
| Participant deferral / active EE | $542 | $5,567-90.3% | $6,563-91.7% | $3,952-86.3% |
| Admin fee / account holder | $1,300 | $5,174-74.9% | $7,297-82.2% | $6,261-79.2% |