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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 | $12,379 | $86,701-85.7% | $73,309-83.1% | $125,389-90.1% |
| Participation rate | 42.1% | 78.6%-36.5pp | 74.9%-32.8pp | 83.2%-41.1pp |
| Annual return | -3.14% | 2.78%-5.9pp | 5.67%-8.8pp | 282.24%-285.4pp |
| Employer contribution / active EE | $0 | $4,152-100.0% | $3,237-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $1,383 | $5,549-75.1% | $4,991-72.3% | $5,352-74.2% |
| Admin fee / account holder | $6,715 | $7,768-13.6% | $5,635+19.2% | $9,541-29.6% |