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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 | $11,835 | $56,197-78.9% | $67,652-82.5% | $59,633-80.2% |
| Participation rate | 57.7% | 71.5%-13.8pp | 75.7%-18.0pp | 68.7%-11.0pp |
| Annual return | -1.80% | 18508.10%-18509.9pp | 6625.40%-6627.2pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $804 | $1,615-50.2% | $2,266-64.5% | $2,203-63.5% |
| Participant deferral / active EE | $1,055 | $2,844-62.9% | $3,560-70.4% | $3,192-66.9% |
| Admin fee / account holder | $708 | $3,958-82.1% | $4,821-85.3% | $4,297-83.5% |