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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 | $6,874 | $54,370-87.4% | $82,763-91.7% | $68,490-90.0% |
| Participation rate | 36.0% | 63.9%-27.9pp | 72.6%-36.6pp | 67.9%-31.9pp |
| Annual return | -16.44% | -13.67%-2.8pp | 702.45%-718.9pp | -7.85%-8.6pp |
| Employer contribution / active EE | $460 | $2,219-79.3% | $3,008-84.7% | $2,597-82.3% |
| Participant deferral / active EE | $524 | $3,247-83.9% | $4,395-88.1% | $4,028-87.0% |
| Admin fee / account holder | $462 | $4,398-89.5% | $5,325-91.3% | $5,403-91.4% |