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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 | $4,664 | $91,537-94.9% | $130,045-96.4% | $75,173-93.8% |
| Participation rate | 22.0% | 71.5%-49.4pp | 78.5%-56.5pp | 67.2%-45.2pp |
| Annual return | 52.62% | -631.55%+684.2pp | -137.30%+189.9pp | 160.72%-108.1pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,321-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $966 | $4,343-77.8% | $5,820-83.4% | $4,126-76.6% |
| Admin fee / account holder | $332 | $6,780-95.1% | $10,600-96.9% | $5,651-94.1% |