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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 | $24,694 | $135,645-81.8% | $110,243-77.6% | $135,380-81.8% |
| Participation rate | 64.3% | 83.5%-19.2pp | 79.8%-15.5pp | 82.6%-18.4pp |
| Annual return | -8.42% | 513.24%-521.7pp | 314.76%-323.2pp | 519.81%-528.2pp |
| Employer contribution / active EE | $1,028 | $4,907-79.0% | $3,827-73.1% | $4,779-78.5% |
| Participant deferral / active EE | $1,119 | $5,507-79.7% | $4,672-76.1% | $5,609-80.1% |
| Admin fee / account holder | $348 | $11,458-97.0% | $8,548-95.9% | $10,828-96.8% |