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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 | $5,657 | $59,819-90.5% | $79,583-92.9% | $68,490-91.7% |
| Participation rate | 12.0% | 61.1%-49.1pp | 69.5%-57.5pp | 67.9%-55.9pp |
| Annual return | -0.51% | -12.30%+11.8pp | 0.16%-0.7pp | -7.85%+7.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $597 | $3,025-80.3% | $3,986-85.0% | $4,028-85.2% |
| Admin fee / account holder | $516 | $4,835-89.3% | $6,835-92.4% | $5,403-90.4% |