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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 | $18,085 | $101,539-82.2% | $147,041-87.7% | $74,400-75.7% |
| Participation rate | 41.7% | 75.5%-33.8pp | 82.2%-40.5pp | 67.2%-25.5pp |
| Annual return | 14.03% | 8740.84%-8726.8pp | 419.21%-405.2pp | 1367.51%-1353.5pp |
| Employer contribution / active EE | $0 | $3,811-100.0% | $4,935-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $997 | $7,304-86.4% | $8,071-87.6% | $4,348-77.1% |
| Admin fee / account holder | $2,516 | $1,749+43.8% | $13,006-80.7% | $1,944+29.4% |