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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 | $19,502 | $84,493-76.9% | $125,381-84.4% | $66,938-70.9% |
| Participation rate | 25.2% | 76.4%-51.2pp | 82.4%-57.1pp | 69.8%-44.6pp |
| Annual return | -18.17% | -8.49%-9.7pp | 572.31%-590.5pp | 1.58%-19.8pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,053 | $6,783-84.5% | $7,448-85.9% | $4,238-75.2% |
| Admin fee / account holder | $358 | $685-47.7% | $10,007-96.4% | $594-39.7% |