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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 | $22,086 | $91,536-75.9% | $130,062-83.0% | $75,177-70.6% |
| Participation rate | 69.5% | 71.5%-2.0pp | 78.5%-9.0pp | 67.2%+2.3pp |
| Annual return | 23.54% | -631.62%+655.2pp | -137.37%+160.9pp | 160.75%-137.2pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,322-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,069 | $4,343-75.4% | $5,821-81.6% | $4,126-74.1% |
| Admin fee / account holder | $3,038 | $6,780-55.2% | $10,601-71.3% | $5,651-46.2% |