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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 | $21,073 | $84,482-75.1% | $125,363-83.2% | $66,930-68.5% |
| Participation rate | 37.0% | 76.4%-39.4pp | 82.4%-45.3pp | 69.8%-32.8pp |
| Annual return | -13.37% | -8.49%-4.9pp | 572.15%-585.5pp | 1.57%-14.9pp |
| Employer contribution / active EE | $0 | $3,553-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,796 | $6,782-73.5% | $7,447-75.9% | $4,238-57.6% |
| Admin fee / account holder | $530 | $685-22.6% | $10,005-94.7% | $593-10.7% |