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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 | $15,401 | $72,404-78.7% | $110,243-86.0% | $64,173-76.0% |
| Participation rate | 65.4% | 73.3%-8.0pp | 79.8%-14.4pp | 69.6%-4.2pp |
| Annual return | 0.00% | -6.29%+6.3pp | 314.76%-314.8pp | 7.63%-7.6pp |
| Employer contribution / active EE | $1,011 | $2,282-55.7% | $3,827-73.6% | $2,381-57.6% |
| Participant deferral / active EE | $1,500 | $3,469-56.8% | $4,672-67.9% | $3,470-56.8% |
| Admin fee / account holder | $618 | $5,664-89.1% | $8,548-92.8% | $4,887-87.4% |