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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 | $4,047 | $77,816-94.8% | $123,549-96.7% | $64,181-93.7% |
| Participation rate | 40.4% | 74.7%-34.4pp | 82.3%-41.9pp | 69.6%-29.2pp |
| Annual return | -7.02% | 12.49%-19.5pp | 119.20%-126.2pp | 7.63%-14.6pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,458 | $5,240-72.2% | $6,426-77.3% | $3,470-58.0% |
| Admin fee / account holder | $1,581 | $5,519-71.4% | $9,284-83.0% | $4,887-67.7% |