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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 | $588 | $91,198-99.4% | $178,503-99.7% | $79,856-99.3% |
| Participation rate | 43.9% | 69.2%-25.3pp | 81.9%-38.0pp | 69.6%-25.7pp |
| Annual return | 254.46% | 24.20%+230.3pp | 151.12%+103.3pp | 31.71%+222.8pp |
| Employer contribution / active EE | $0 | $3,257-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $347 | $3,237-89.3% | $5,202-93.3% | $3,741-90.7% |
| Admin fee / account holder | $723 | $6,748-89.3% | $13,987-94.8% | $5,306-86.4% |