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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 | $5,138 | $73,839-93.0% | $143,788-96.4% | $68,495-92.5% |
| Participation rate | 17.7% | 66.7%-48.9pp | 80.3%-62.6pp | 67.9%-50.2pp |
| Annual return | -17.57% | 1.01%-18.6pp | -0.03%-17.5pp | -7.84%-9.7pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $852 | $3,384-74.8% | $5,638-84.9% | $4,028-78.8% |
| Admin fee / account holder | $3,322 | $5,755-42.3% | $14,675-77.4% | $5,403-38.5% |