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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 | $13,571 | $82,678-83.6% | $125,391-89.2% | $68,490-80.2% |
| Participation rate | 67.4% | 75.1%-7.6pp | 82.4%-14.9pp | 67.9%-0.5pp |
| Annual return | -17.48% | -5.97%-11.5pp | 572.41%-589.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $788 | $3,382-76.7% | $4,816-83.6% | $2,597-69.6% |
| Participant deferral / active EE | $1,369 | $6,111-77.6% | $7,448-81.6% | $4,028-66.0% |
| Admin fee / account holder | $317 | $6,277-94.9% | $10,009-96.8% | $5,403-94.1% |