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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 | $5,032 | $54,370-90.7% | $82,763-93.9% | $68,490-92.7% |
| Participation rate | 16.7% | 63.9%-47.3pp | 72.6%-55.9pp | 67.9%-51.2pp |
| Annual return | -15.51% | -13.67%-1.8pp | 702.45%-718.0pp | -7.85%-7.7pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $637 | $3,247-80.4% | $4,395-85.5% | $4,028-84.2% |
| Admin fee / account holder | $1,021 | $4,398-76.8% | $5,325-80.8% | $5,403-81.1% |