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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 | $13,450 | $45,566-70.5% | $64,105-79.0% | $59,633-77.4% |
| Participation rate | 38.5% | 60.2%-21.7pp | 68.2%-29.7pp | 68.7%-30.2pp |
| Annual return | -0.68% | 4.95%-5.6pp | 791.24%-791.9pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $563 | $2,057-72.6% | $2,822-80.0% | $3,192-82.4% |
| Admin fee / account holder | $1,418 | $3,268-56.6% | $4,499-68.5% | $4,297-67.0% |