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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 | $1,942 | $61,125-96.8% | $94,057-97.9% | $87,485-97.8% |
| Participation rate | 67.3% | 64.1%+3.2pp | 73.3%-6.0pp | 68.9%-1.6pp |
| Annual return | 20.28% | 35.20%-14.9pp | 480.62%-460.3pp | 26.06%-5.8pp |
| Employer contribution / active EE | $0 | $2,136-100.0% | $2,933-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $596 | $3,260-81.7% | $4,709-87.3% | $4,274-86.1% |
| Admin fee / account holder | $331 | $5,629-94.1% | $7,244-95.4% | $7,775-95.7% |