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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 | $6,473 | $25,723-74.8% | $69,182-90.6% | $55,167-88.3% |
| Participation rate | 5.0% | 39.4%-34.4pp | 55.1%-50.1pp | 69.0%-64.0pp |
| Annual return | 19.00% | 9.56%+9.4pp | -21.93%+40.9pp | 169.23%-150.2pp |
| Employer contribution / active EE | $0 | $480-100.0% | $1,206-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $48 | $963-95.0% | $1,897-97.5% | $3,054-98.4% |
| Admin fee / account holder | $537 | $365+47.2% | $2,697-80.1% | $504+6.5% |