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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 | $3,411 | $49,177-93.1% | $79,476-95.7% | $64,181-94.7% |
| Participation rate | 41.9% | 65.0%-23.2pp | 73.3%-31.5pp | 69.6%-27.7pp |
| Annual return | -0.83% | -1.16%+0.3pp | 718.21%-719.0pp | 7.63%-8.5pp |
| Employer contribution / active EE | $289 | $2,076-86.1% | $2,800-89.7% | $2,381-87.8% |
| Participant deferral / active EE | $489 | $2,821-82.7% | $3,704-86.8% | $3,470-85.9% |
| Admin fee / account holder | $326 | $3,839-91.5% | $5,113-93.6% | $4,887-93.3% |