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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 | $10,835 | $55,437-80.5% | $155,534-93.0% | $74,459-85.4% |
| Participation rate | 3.5% | 61.9%-58.4pp | 78.2%-74.7pp | 67.2%-63.7pp |
| Annual return | 13.67% | 269.58%-255.9pp | 64.92%-51.3pp | 1369.70%-1356.0pp |
| Employer contribution / active EE | $0 | $2,266-100.0% | $4,675-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $161 | $2,837-94.3% | $5,630-97.1% | $4,350-96.3% |
| Admin fee / account holder | $2,850 | $1,742+63.6% | $15,900-82.1% | $1,945+46.6% |