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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 | $15,552 | $45,566-65.9% | $64,105-75.7% | $59,633-73.9% |
| Participation rate | 29.0% | 60.2%-31.2pp | 68.2%-39.2pp | 68.7%-39.7pp |
| Annual return | -1.59% | 4.95%-6.5pp | 791.24%-792.8pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $197 | $934-78.9% | $1,820-89.2% | $2,203-91.1% |
| Participant deferral / active EE | $438 | $2,057-78.7% | $2,822-84.5% | $3,192-86.3% |
| Admin fee / account holder | $1,671 | $3,268-48.9% | $4,499-62.9% | $4,297-61.1% |