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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 | $13,801 | $45,566-69.7% | $64,105-78.5% | $59,633-76.9% |
| Participation rate | 20.3% | 60.2%-39.9pp | 68.2%-47.9pp | 68.7%-48.4pp |
| Annual return | -1.90% | 4.95%-6.9pp | 791.24%-793.1pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $138 | $934-85.2% | $1,820-92.4% | $2,203-93.7% |
| Participant deferral / active EE | $394 | $2,057-80.9% | $2,822-86.0% | $3,192-87.7% |
| Admin fee / account holder | $895 | $3,268-72.6% | $4,499-80.1% | $4,297-79.2% |