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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 | $3,166 | $65,575-95.2% | $86,209-96.3% | $75,181-95.8% |
| Participation rate | 43.3% | 60.5%-17.2pp | 69.0%-25.6pp | 67.2%-23.9pp |
| Annual return | 20.14% | 46.07%-25.9pp | 1169.05%-1148.9pp | 160.69%-140.5pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,061 | $3,023-64.9% | $3,986-73.4% | $4,126-74.3% |
| Admin fee / account holder | $591 | $5,470-89.2% | $6,853-91.4% | $5,650-89.5% |