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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 | $6,753 | $75,832-91.1% | $147,617-95.4% | $59,633-88.7% |
| Participation rate | 50.0% | 71.6%-21.6pp | 84.6%-34.6pp | 68.7%-18.7pp |
| Annual return | 1.76% | 0.37%+1.4pp | 61.98%-60.2pp | 2041.45%-2039.7pp |
| Employer contribution / active EE | $394 | $3,485-88.7% | $5,564-92.9% | $2,203-82.1% |
| Participant deferral / active EE | $476 | $3,131-84.8% | $4,895-90.3% | $3,192-85.1% |
| Admin fee / account holder | $1,600 | $5,986-73.3% | $11,612-86.2% | $4,297-62.8% |