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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 | $56,431-92.4% | $130,788-96.7% | $87,485-95.1% |
| Participation rate | 6.7% | 58.9%-52.3pp | 70.1%-63.4pp | 68.9%-62.3pp |
| Annual return | 21.88% | 91.27%-69.4pp | 386.44%-364.6pp | 26.06%-4.2pp |
| Employer contribution / active EE | $0 | $1,549-100.0% | $3,558-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $68 | $2,749-97.5% | $4,137-98.4% | $4,274-98.4% |
| Admin fee / account holder | $389 | $4,433-91.2% | $6,673-94.2% | $7,775-95.0% |