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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 | $1,863 | $30,421-93.9% | $56,077-96.7% | $74,429-97.5% |
| Participation rate | 15.2% | 32.9%-17.6pp | 52.5%-37.3pp | 67.2%-52.0pp |
| Annual return | 38.64% | 24.94%+13.7pp | 1709.28%-1670.6pp | 1368.38%-1329.7pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,040-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $230 | $1,175-80.4% | $1,954-88.2% | $4,348-94.7% |
| Admin fee / account holder | $1,556 | $2,363-34.2% | $2,825-44.9% | $1,944-20.0% |