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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 | $4,197 | $78,690-94.7% | $161,489-97.4% | $87,485-95.2% |
| Participation rate | 22.2% | 67.5%-45.2pp | 78.7%-56.5pp | 68.9%-46.7pp |
| Annual return | 248.81% | 32.74%+216.1pp | 89.72%+159.1pp | 26.06%+222.8pp |
| Employer contribution / active EE | $0 | $2,588-100.0% | $4,268-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $354 | $3,311-89.3% | $5,630-93.7% | $4,274-91.7% |
| Admin fee / account holder | $837 | $6,724-87.5% | $16,006-94.8% | $7,775-89.2% |