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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 | $10,868 | $91,536-88.1% | $130,062-91.6% | $75,177-85.5% |
| Participation rate | 31.6% | 71.5%-39.9pp | 78.5%-46.9pp | 67.2%-35.6pp |
| Annual return | 17.21% | -631.62%+648.8pp | -137.37%+154.6pp | 160.75%-143.5pp |
| Employer contribution / active EE | $0 | $2,845-100.0% | $4,322-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $511 | $4,343-88.2% | $5,821-91.2% | $4,126-87.6% |
| Admin fee / account holder | $932 | $6,780-86.2% | $10,601-91.2% | $5,651-83.5% |