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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 | $9,091 | $82,674-89.0% | $125,381-92.7% | $68,486-86.7% |
| Participation rate | 38.9% | 75.1%-36.2pp | 82.4%-43.5pp | 67.9%-29.0pp |
| Annual return | -10.82% | -5.97%-4.8pp | 572.31%-583.1pp | -7.85%-3.0pp |
| Employer contribution / active EE | $861 | $3,382-74.5% | $4,815-82.1% | $2,597-66.8% |
| Participant deferral / active EE | $1,326 | $6,111-78.3% | $7,448-82.2% | $4,028-67.1% |
| Admin fee / account holder | $1,399 | $6,277-77.7% | $10,007-86.0% | $5,404-74.1% |