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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 | $3,501 | $53,063-93.4% | $124,206-97.2% | $82,637-95.8% |
| Participation rate | 56.1% | 58.4%-2.3pp | 69.6%-13.5pp | 68.1%-12.0pp |
| Annual return | 16.96% | 68.87%-51.9pp | 515.27%-498.3pp | 53.51%-36.5pp |
| Employer contribution / active EE | $0 | $1,530-100.0% | $3,540-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $578 | $2,644-78.1% | $3,968-85.4% | $4,126-86.0% |
| Admin fee / account holder | $704 | $4,281-83.5% | $5,929-88.1% | $7,339-90.4% |