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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 | $3,919 | $54,541-92.8% | $78,778-95.0% | $70,126-94.4% |
| Participation rate | 53.6% | 60.8%-7.2pp | 69.2%-15.6pp | 69.5%-15.9pp |
| Annual return | 48.76% | 21.07%+27.7pp | 35.62%+13.1pp | 73.15%-24.4pp |
| Employer contribution / active EE | $421 | $1,089-61.3% | $1,986-78.8% | $2,343-82.0% |
| Participant deferral / active EE | $924 | $2,210-58.2% | $2,958-68.8% | $3,332-72.3% |
| Admin fee / account holder | $319 | $3,709-91.4% | $5,134-93.8% | $4,645-93.1% |