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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 | $2,590 | $54,355-95.2% | $82,744-96.9% | $68,486-96.2% |
| Participation rate | 24.0% | 63.9%-39.9pp | 72.6%-48.6pp | 67.9%-43.9pp |
| Annual return | 123.56% | -13.67%+137.2pp | 702.22%-578.7pp | -7.85%+131.4pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $535 | $3,246-83.5% | $4,395-87.8% | $4,028-86.7% |
| Admin fee / account holder | $475 | $4,397-89.2% | $5,325-91.1% | $5,404-91.2% |