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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 | $11,129 | $75,828-85.3% | $147,617-92.5% | $59,632-81.3% |
| Participation rate | 20.0% | 71.6%-51.6pp | 84.6%-64.6pp | 68.7%-48.7pp |
| Annual return | -1.43% | 0.37%-1.8pp | 61.98%-63.4pp | 2041.32%-2042.7pp |
| Employer contribution / active EE | $0 | $3,485-100.0% | $5,565-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $654 | $3,130-79.1% | $4,895-86.6% | $3,192-79.5% |
| Admin fee / account holder | $569 | $5,985-90.5% | $11,611-95.1% | $4,297-86.7% |