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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 | $5,016 | $73,863-93.2% | $143,797-96.5% | $68,490-92.7% |
| Participation rate | 17.7% | 66.7%-49.0pp | 80.3%-62.6pp | 67.9%-50.2pp |
| Annual return | -19.01% | 0.91%-19.9pp | -0.04%-19.0pp | -7.85%-11.2pp |
| Employer contribution / active EE | $0 | $3,185-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $829 | $3,385-75.5% | $5,638-85.3% | $4,028-79.4% |
| Admin fee / account holder | $602 | $5,756-89.5% | $14,679-95.9% | $5,403-88.9% |