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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 | $17,425 | $142,361-87.8% | $119,608-85.4% | $134,509-87.0% |
| Participation rate | 28.6% | 82.8%-54.3pp | 79.3%-50.7pp | 81.2%-52.7pp |
| Annual return | -4.10% | -12.46%+8.4pp | -14.98%+10.9pp | 418.13%-422.2pp |
| Employer contribution / active EE | $0 | $5,224-100.0% | $4,232-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $1,905 | $6,468-70.6% | $5,601-66.0% | $6,400-70.2% |
| Admin fee / account holder | $977 | $13,588-92.8% | $10,326-90.5% | $11,427-91.4% |