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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 | $20,599 | $56,197-63.3% | $67,652-69.6% | $59,633-65.5% |
| Participation rate | 61.3% | 71.5%-10.2pp | 75.7%-14.4pp | 68.7%-7.4pp |
| Annual return | -0.11% | 18508.10%-18508.2pp | 6625.40%-6625.5pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $1,217 | $2,844-57.2% | $3,560-65.8% | $3,192-61.9% |
| Admin fee / account holder | $1,512 | $3,958-61.8% | $4,821-68.6% | $4,297-64.8% |