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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 | $1,858 | $54,370-96.6% | $82,763-97.8% | $68,490-97.3% |
| Participation rate | 29.8% | 63.9%-34.1pp | 72.6%-42.8pp | 67.9%-38.1pp |
| Annual return | 0.00% | -13.67%+13.7pp | 702.45%-702.4pp | -7.85%+7.9pp |
| Employer contribution / active EE | $321 | $2,219-85.5% | $3,008-89.3% | $2,597-87.6% |
| Participant deferral / active EE | $437 | $3,247-86.5% | $4,395-90.1% | $4,028-89.1% |
| Admin fee / account holder | $303 | $4,398-93.1% | $5,325-94.3% | $5,403-94.4% |