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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 | $4,275 | $52,353-91.8% | $120,225-96.4% | $82,448-94.8% |
| Participation rate | 6.7% | 58.3%-51.6pp | 69.6%-62.9pp | 68.1%-61.4pp |
| Annual return | 21.88% | 61.85%-40.0pp | 439.23%-417.3pp | 41.64%-19.8pp |
| Employer contribution / active EE | $0 | $1,510-100.0% | $3,475-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $68 | $2,627-97.4% | $3,999-98.3% | $4,139-98.4% |
| Admin fee / account holder | $389 | $4,363-91.1% | $5,696-93.2% | $7,234-94.6% |