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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 | $12,025 | $75,832-84.1% | $147,618-91.9% | $59,633-79.8% |
| Participation rate | 67.6% | 71.6%-4.0pp | 84.6%-17.0pp | 68.7%-1.1pp |
| Annual return | -1.12% | 0.37%-1.5pp | 61.98%-63.1pp | 2041.40%-2042.5pp |
| Employer contribution / active EE | $693 | $3,485-80.1% | $5,565-87.5% | $2,203-68.5% |
| Participant deferral / active EE | $0 | $3,131-100.0% | $4,895-100.0% | $3,192-100.0% |
| Admin fee / account holder | $1,524 | $5,986-74.5% | $11,612-86.9% | $4,297-64.5% |