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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 | $3,028 | $69,012-95.6% | $160,037-98.1% | $68,490-95.6% |
| Participation rate | 7.7% | 65.4%-57.7pp | 78.0%-70.3pp | 67.9%-60.2pp |
| Annual return | 37.42% | -9.65%+47.1pp | 408.95%-371.5pp | -7.85%+45.3pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,226-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $116 | $4,212-97.3% | $6,184-98.1% | $4,028-97.1% |
| Admin fee / account holder | $890 | $4,798-81.5% | $8,716-89.8% | $5,403-83.5% |