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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 | $3,986 | $107,079-96.3% | $151,266-97.4% | $87,485-95.4% |
| Participation rate | 64.7% | 71.1%-6.4pp | 77.0%-12.3pp | 68.9%-4.2pp |
| Annual return | 86.46% | 22.17%+64.3pp | 180.60%-94.1pp | 26.06%+60.4pp |
| Employer contribution / active EE | $0 | $3,174-100.0% | $4,237-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $698 | $5,789-87.9% | $7,337-90.5% | $4,274-83.7% |
| Admin fee / account holder | $1,042 | $8,059-87.1% | $13,159-92.1% | $7,775-86.6% |