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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 | $3,498 | $57,575-93.9% | $124,067-97.2% | $86,983-96.0% |
| Participation rate | 63.6% | 62.3%+1.4pp | 66.9%-3.3pp | 69.5%-5.9pp |
| Annual return | 12.57% | 19.65%-7.1pp | 31.06%-18.5pp | 25.83%-13.3pp |
| Employer contribution / active EE | $570 | $1,615-64.7% | $2,166-73.7% | $2,584-77.9% |
| Participant deferral / active EE | $768 | $2,623-70.7% | $3,463-77.8% | $4,194-81.7% |
| Admin fee / account holder | $791 | $8,506-90.7% | $7,351-89.2% | $7,856-89.9% |