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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 | $9,922 | $59,107-83.2% | $86,439-88.5% | $68,495-85.5% |
| Participation rate | 48.1% | 75.2%-27.1pp | 80.3%-32.2pp | 67.9%-19.7pp |
| Annual return | -15.86% | -0.23%-15.6pp | 4395.55%-4411.4pp | -7.84%-8.0pp |
| Employer contribution / active EE | $1,207 | $2,519-52.1% | $3,769-68.0% | $2,596-53.5% |
| Participant deferral / active EE | $1,828 | $5,901-69.0% | $6,952-73.7% | $4,028-54.6% |
| Admin fee / account holder | $688 | $5,637-87.8% | $6,732-89.8% | $5,403-87.3% |