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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 | $5,509 | $53,546-89.7% | $69,884-92.1% | $68,486-92.0% |
| Participation rate | 17.9% | 64.5%-46.7pp | 70.5%-52.6pp | 67.9%-50.0pp |
| Annual return | -18.61% | -13.87%-4.7pp | 190.81%-209.4pp | -7.85%-10.8pp |
| Employer contribution / active EE | $0 | $2,019-100.0% | $2,560-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $878 | $2,957-70.3% | $3,848-77.2% | $4,028-78.2% |
| Admin fee / account holder | $769 | $4,693-83.6% | $6,266-87.7% | $5,404-85.8% |