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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 | $44,206-87.0% | $94,057-93.9% | $64,728-91.1% |
| Participation rate | 3.8% | 51.0%-47.2pp | 73.3%-69.6pp | 57.9%-54.1pp |
| Annual return | 14.61% | 259.42%-244.8pp | 480.62%-466.0pp | 49.38%-34.8pp |
| Employer contribution / active EE | $0 | $1,635-100.0% | $2,933-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $78 | $1,902-95.9% | $4,709-98.3% | $2,729-97.2% |
| Admin fee / account holder | $1,073 | $1,230-12.8% | $7,244-85.2% | $1,145-6.3% |