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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 | $20,921 | $82,028-74.5% | $123,105-83.0% | $59,633-64.9% |
| Participation rate | 3.3% | 83.2%-79.9pp | 86.8%-83.4pp | 68.7%-65.3pp |
| Annual return | 673.74% | 5.12%+668.6pp | 13.22%+660.5pp | 2041.45%-1367.7pp |
| Employer contribution / active EE | $0 | $3,297-100.0% | $5,151-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $336 | $4,667-92.8% | $6,229-94.6% | $3,192-89.5% |
| Admin fee / account holder | $3,305 | $5,879-43.8% | $9,014-63.3% | $4,297-23.1% |