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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 | $16,395 | $167,362-90.2% | $143,799-88.6% | $134,532-87.8% |
| Participation rate | 64.3% | 84.8%-20.5pp | 80.3%-16.0pp | 81.2%-16.9pp |
| Annual return | -18.61% | 0.47%-19.1pp | -0.04%-18.6pp | 418.27%-436.9pp |
| Employer contribution / active EE | $1,362 | $5,620-75.8% | $4,952-72.5% | $4,741-71.3% |
| Participant deferral / active EE | $1,919 | $6,447-70.2% | $5,638-66.0% | $6,401-70.0% |
| Admin fee / account holder | $531 | $18,094-97.1% | $14,677-96.4% | $11,429-95.4% |