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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 | $9,932 | $82,674-88.0% | $125,381-92.1% | $68,486-85.5% |
| Participation rate | 69.7% | 75.1%-5.3pp | 82.4%-12.6pp | 67.9%+1.8pp |
| Annual return | -17.90% | -5.97%-11.9pp | 572.31%-590.2pp | -7.85%-10.0pp |
| Employer contribution / active EE | $1,357 | $3,382-59.9% | $4,815-71.8% | $2,597-47.7% |
| Participant deferral / active EE | $2,338 | $6,111-61.7% | $7,448-68.6% | $4,028-41.9% |
| Admin fee / account holder | $495 | $6,277-92.1% | $10,007-95.1% | $5,404-90.8% |