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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 | $8,430 | $56,197-85.0% | $67,652-87.5% | $59,633-85.9% |
| Participation rate | 63.1% | 71.5%-8.4pp | 75.7%-12.6pp | 68.7%-5.6pp |
| Annual return | -1.23% | 18508.10%-18509.3pp | 6625.40%-6626.6pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $1,033 | $1,615-36.0% | $2,266-54.4% | $2,203-53.1% |
| Participant deferral / active EE | $1,210 | $2,844-57.5% | $3,560-66.0% | $3,192-62.1% |
| Admin fee / account holder | $592 | $3,958-85.0% | $4,821-87.7% | $4,297-86.2% |