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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 | $7,370 | $57,350-87.1% | $83,850-91.2% | $64,181-88.5% |
| Participation rate | 69.0% | 68.6%+0.4pp | 76.1%-7.1pp | 69.6%-0.5pp |
| Annual return | -7.92% | 11.38%-19.3pp | 850.92%-858.8pp | 7.63%-15.5pp |
| Employer contribution / active EE | $611 | $2,545-76.0% | $3,631-83.2% | $2,381-74.3% |
| Participant deferral / active EE | $1,188 | $2,993-60.3% | $4,082-70.9% | $3,470-65.7% |
| Admin fee / account holder | $437 | $4,046-89.2% | $5,478-92.0% | $4,887-91.1% |