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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 | $4,644 | $52,188-91.1% | $86,617-94.6% | $74,440-93.8% |
| Participation rate | 3.9% | 66.3%-62.4pp | 71.7%-67.8pp | 70.7%-66.8pp |
| Annual return | 22.91% | 44.46%-21.5pp | 591.91%-569.0pp | 34.37%-11.5pp |
| Employer contribution / active EE | $0 | $2,282-100.0% | $3,023-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $74 | $3,383-97.8% | $4,437-98.3% | $4,529-98.4% |
| Admin fee / account holder | $1,183 | $319+271.3% | $5,613-78.9% | $348+240.1% |