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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 | $5,761 | $51,878-88.9% | $68,368-91.6% | $79,634-92.8% |
| Participation rate | 3.8% | 53.7%-49.9pp | 73.8%-70.0pp | 62.5%-58.7pp |
| Annual return | 14.61% | 137.43%-122.8pp | 292.57%-278.0pp | 36.46%-21.8pp |
| Employer contribution / active EE | $0 | $1,931-100.0% | $2,649-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $78 | $2,577-97.0% | $4,123-98.1% | $3,835-98.0% |
| Admin fee / account holder | $1,073 | $942+13.9% | $5,150-79.2% | $1,002+7.1% |