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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 | $6,910 | $42,396-83.7% | $67,313-89.7% | $56,289-87.7% |
| Participation rate | 28.6% | 61.0%-32.4pp | 69.1%-40.5pp | 69.9%-41.3pp |
| Annual return | -7.27% | -36.63%+29.4pp | -4.08%-3.2pp | -9.96%+2.7pp |
| Employer contribution / active EE | $0 | $1,414-100.0% | $2,566-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $741 | $2,360-68.6% | $3,568-79.2% | $3,350-77.9% |
| Admin fee / account holder | $1,395 | $510+173.7% | $4,507-69.0% | $521+167.8% |