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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 | $16,737 | $102,385-83.7% | $147,080-88.6% | $80,935-79.3% |
| Participation rate | 6.3% | 75.9%-69.5pp | 82.2%-75.8pp | 67.7%-61.3pp |
| Annual return | 15.93% | 135.09%-119.2pp | 420.17%-404.2pp | 35.66%-19.7pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $710 | $6,651-89.3% | $8,066-91.2% | $4,299-83.5% |
| Admin fee / account holder | $844 | $7,951-89.4% | $12,989-93.5% | $6,924-87.8% |