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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 | $12,106 | $91,536-86.8% | $130,062-90.7% | $75,177-83.9% |
| Participation rate | 48.8% | 71.5%-22.7pp | 78.5%-29.7pp | 67.2%-18.4pp |
| Annual return | 14.16% | -631.62%+645.8pp | -137.37%+151.5pp | 160.75%-146.6pp |
| Employer contribution / active EE | $1,362 | $2,845-52.1% | $4,322-68.5% | $2,671-49.0% |
| Participant deferral / active EE | $1,719 | $4,343-60.4% | $5,821-70.5% | $4,126-58.4% |
| Admin fee / account holder | $313 | $6,780-95.4% | $10,601-97.0% | $5,651-94.5% |