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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 | $4,976 | $95,915-94.8% | $79,580-93.7% | $134,532-96.3% |
| Participation rate | 62.5% | 75.0%-12.5pp | 69.5%-7.0pp | 81.2%-18.7pp |
| Annual return | -15.25% | -2.71%-12.5pp | 0.15%-15.4pp | 418.27%-433.5pp |
| Employer contribution / active EE | $635 | $3,129-79.7% | $2,413-73.7% | $4,741-86.6% |
| Participant deferral / active EE | $888 | $4,693-81.1% | $3,985-77.7% | $6,401-86.1% |
| Admin fee / account holder | $1,552 | $9,132-83.0% | $6,835-77.3% | $11,429-86.4% |