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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 | $11,153 | $75,832-85.3% | $147,617-92.4% | $59,633-81.3% |
| Participation rate | 57.6% | 71.6%-13.9pp | 84.6%-27.0pp | 68.7%-11.0pp |
| Annual return | 2.41% | 0.37%+2.0pp | 61.98%-59.6pp | 2041.45%-2039.0pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,564-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $694 | $3,131-77.8% | $4,895-85.8% | $3,192-78.3% |
| Admin fee / account holder | $647 | $5,986-89.2% | $11,612-94.4% | $4,297-84.9% |