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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 | $12,670 | $81,870-84.5% | $119,634-89.4% | $68,490-81.5% |
| Participation rate | 23.5% | 71.9%-48.4pp | 79.3%-55.8pp | 67.9%-44.4pp |
| Annual return | -17.94% | -23.82%+5.9pp | -14.98%-3.0pp | -7.85%-10.1pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,039 | $4,148-74.9% | $5,601-81.4% | $4,028-74.2% |
| Admin fee / account holder | $908 | $6,583-86.2% | $10,329-91.2% | $5,403-83.2% |