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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 | $11,706 | $75,832-84.6% | $147,617-92.1% | $59,633-80.4% |
| Participation rate | 43.4% | 71.6%-28.2pp | 84.6%-41.2pp | 68.7%-25.3pp |
| Annual return | 2.09% | 0.37%+1.7pp | 61.98%-59.9pp | 2041.45%-2039.4pp |
| Employer contribution / active EE | $383 | $3,485-89.0% | $5,564-93.1% | $2,203-82.6% |
| Participant deferral / active EE | $774 | $3,131-75.3% | $4,895-84.2% | $3,192-75.7% |
| Admin fee / account holder | $3,123 | $5,986-47.8% | $11,612-73.1% | $4,297-27.3% |