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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 | $3,941 | $51,638-92.4% | $129,406-97.0% | $80,959-95.1% |
| Participation rate | 5.5% | 56.9%-51.5pp | 69.6%-64.2pp | 67.7%-62.2pp |
| Annual return | 14.01% | 20.78%-6.8pp | 9468.18%-9454.2pp | 35.67%-21.7pp |
| Employer contribution / active EE | $0 | $1,584-100.0% | $4,155-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $128 | $2,670-95.2% | $4,167-96.9% | $4,300-97.0% |
| Admin fee / account holder | $1,095 | $4,313-74.6% | $7,689-85.8% | $6,925-84.2% |