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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 | $2,050 | $39,028-94.7% | $80,741-97.5% | $85,856-97.6% |
| Participation rate | 8.4% | 41.6%-33.1pp | 54.2%-45.7pp | 69.3%-60.9pp |
| Annual return | 0.00% | 26.31%-26.3pp | 87.30%-87.3pp | 318.58%-318.6pp |
| Employer contribution / active EE | $0 | $722-100.0% | $1,160-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $238 | $1,326-82.0% | $2,145-88.9% | $3,952-94.0% |
| Admin fee / account holder | $504 | $2,429-79.2% | $3,380-85.1% | $6,261-91.9% |