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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 | $18,919 | $54,320-65.2% | $67,652-72.0% | $52,331-63.8% |
| Participation rate | 20.2% | 73.6%-53.4pp | 75.7%-55.5pp | 68.1%-47.9pp |
| Annual return | -0.33% | 6.81%-7.1pp | 6625.40%-6625.7pp | 4.54%-4.9pp |
| Employer contribution / active EE | $0 | $1,544-100.0% | $2,266-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $581 | $2,950-80.3% | $3,560-83.7% | $3,022-80.8% |
| Admin fee / account holder | $1,461 | $527+177.4% | $4,821-69.7% | $592+146.9% |