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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 | $3,225 | $27,800-88.4% | $58,544-94.5% | $71,495-95.5% |
| Participation rate | 4.9% | 34.6%-29.7pp | 50.9%-45.9pp | 67.9%-63.0pp |
| Annual return | 24.24% | 26.80%-2.6pp | 4249.56%-4225.3pp | 28.85%-4.6pp |
| Employer contribution / active EE | $0 | $632-100.0% | $1,053-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $115 | $1,208-90.5% | $1,923-94.0% | $4,291-97.3% |
| Admin fee / account holder | $552 | $1,637-66.3% | $2,520-78.1% | $1,588-65.2% |