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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 | $3,735 | $84,936-95.6% | $111,308-96.6% | $79,391-95.3% |
| Participation rate | 7.1% | 75.9%-68.8pp | 77.3%-70.2pp | 70.7%-63.6pp |
| Annual return | 0.00% | 17.45%-17.5pp | 54.67%-54.7pp | 116.88%-116.9pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,732-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $188 | $3,888-95.2% | $4,487-95.8% | $4,046-95.4% |
| Admin fee / account holder | $1,435 | $537+167.2% | $7,965-82.0% | $627+129.1% |