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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 | $5,946 | $45,566-87.0% | $64,105-90.7% | $59,633-90.0% |
| Participation rate | 44.6% | 60.2%-15.6pp | 68.2%-23.6pp | 68.7%-24.1pp |
| Annual return | -1.84% | 4.95%-6.8pp | 791.24%-793.1pp | 2041.40%-2043.2pp |
| Employer contribution / active EE | $359 | $934-61.6% | $1,820-80.3% | $2,203-83.7% |
| Participant deferral / active EE | $399 | $2,057-80.6% | $2,822-85.9% | $3,192-87.5% |
| Admin fee / account holder | $1,910 | $3,268-41.5% | $4,499-57.5% | $4,297-55.5% |