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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 | $4,148 | $82,674-95.0% | $125,381-96.7% | $68,486-93.9% |
| Participation rate | 45.2% | 75.1%-29.8pp | 82.4%-37.1pp | 67.9%-22.7pp |
| Annual return | 0.00% | -5.97%+6.0pp | 572.31%-572.3pp | -7.85%+7.9pp |
| Employer contribution / active EE | $1,549 | $3,382-54.2% | $4,815-67.8% | $2,597-40.3% |
| Participant deferral / active EE | $2,296 | $6,111-62.4% | $7,448-69.2% | $4,028-43.0% |
| Admin fee / account holder | $412 | $6,277-93.4% | $10,007-95.9% | $5,404-92.4% |