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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 | $15,001 | $82,674-81.9% | $125,381-88.0% | $68,486-78.1% |
| Participation rate | 65.4% | 75.1%-9.7pp | 82.4%-17.0pp | 67.9%-2.5pp |
| Annual return | -15.09% | -5.97%-9.1pp | 572.31%-587.4pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,567 | $3,382-53.7% | $4,815-67.5% | $2,597-39.7% |
| Participant deferral / active EE | $2,093 | $6,111-65.7% | $7,448-71.9% | $4,028-48.0% |
| Admin fee / account holder | $380 | $6,277-93.9% | $10,007-96.2% | $5,404-93.0% |