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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 | $1,141 | $49,199-97.7% | $121,204-99.1% | $75,173-98.5% |
| Participation rate | 64.4% | 55.4%+9.0pp | 69.5%-5.1pp | 67.2%-2.8pp |
| Annual return | 19.58% | 56.04%-36.5pp | 987.18%-967.6pp | 160.72%-141.1pp |
| Employer contribution / active EE | $0 | $1,547-100.0% | $4,170-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $630 | $2,630-76.1% | $4,083-84.6% | $4,126-84.7% |
| Admin fee / account holder | $357 | $3,946-90.9% | $5,651-93.7% | $5,651-93.7% |