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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 | $4,802 | $26,549-81.9% | $61,399-92.2% | $66,930-92.8% |
| Participation rate | 6.8% | 38.1%-31.3pp | 52.6%-45.8pp | 69.8%-63.0pp |
| Annual return | -20.12% | -16.21%-3.9pp | 338.81%-358.9pp | 1.57%-21.7pp |
| Employer contribution / active EE | $0 | $651-100.0% | $1,159-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $174 | $1,338-87.0% | $2,124-91.8% | $4,238-95.9% |
| Admin fee / account holder | $306 | $409-25.1% | $2,131-85.6% | $593-48.4% |