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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 | $15,383 | $77,788-80.2% | $119,126-87.1% | $64,728-76.2% |
| Participation rate | 0.9% | 69.4%-68.5pp | 75.8%-74.9pp | 57.9%-57.0pp |
| Annual return | 25.01% | 13.19%+11.8pp | 282.11%-257.1pp | 49.38%-24.4pp |
| Employer contribution / active EE | $0 | $4,031-100.0% | $4,034-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $47 | $2,599-98.2% | $5,318-99.1% | $2,729-98.3% |
| Admin fee / account holder | $2,943 | $1,365+115.6% | $10,693-72.5% | $1,145+157.0% |