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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 | $3,427 | $30,437-88.7% | $56,033-93.9% | $74,459-95.4% |
| Participation rate | 2.0% | 32.9%-30.9pp | 52.5%-50.5pp | 67.2%-65.2pp |
| Annual return | 16.55% | 24.96%-8.4pp | 1711.38%-1694.8pp | 1369.70%-1353.2pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,041-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $70 | $1,176-94.0% | $1,954-96.4% | $4,350-98.4% |
| Admin fee / account holder | $1,343 | $2,363-43.2% | $2,827-52.5% | $1,945-30.9% |