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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 | $4,762 | $56,134-91.5% | $96,192-95.0% | $85,851-94.5% |
| Participation rate | 18.4% | 56.7%-38.3pp | 68.4%-50.0pp | 69.3%-50.9pp |
| Annual return | 0.00% | 42.30%-42.3pp | 192.09%-192.1pp | 318.63%-318.6pp |
| Employer contribution / active EE | $322 | $1,620-80.1% | $2,799-88.5% | $2,565-87.4% |
| Participant deferral / active EE | $582 | $2,858-79.6% | $4,351-86.6% | $3,952-85.3% |
| Admin fee / account holder | $448 | $3,769-88.1% | $5,539-91.9% | $6,261-92.8% |