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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 | $12,791 | $48,274-73.5% | $63,244-79.8% | $59,633-78.6% |
| Participation rate | 54.1% | 66.3%-12.3pp | 71.0%-17.0pp | 68.7%-14.6pp |
| Annual return | -1.75% | -240.79%+239.0pp | -70.31%+68.6pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $614 | $1,586-61.3% | $2,322-73.6% | $2,203-72.1% |
| Participant deferral / active EE | $824 | $2,343-64.8% | $2,953-72.1% | $3,192-74.2% |
| Admin fee / account holder | $682 | $3,600-81.0% | $5,893-88.4% | $4,297-84.1% |