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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 | $11,039 | $65,041-83.0% | $90,965-87.9% | $79,858-86.2% |
| Participation rate | 63.2% | 61.6%+1.6pp | 69.0%-5.9pp | 69.6%-6.5pp |
| Annual return | 13.58% | 30.45%-16.9pp | 134.57%-121.0pp | 31.72%-18.1pp |
| Employer contribution / active EE | $0 | $1,247-100.0% | $2,122-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $643 | $2,512-74.4% | $3,373-80.9% | $3,740-82.8% |
| Admin fee / account holder | $989 | $4,536-78.2% | $5,960-83.4% | $5,306-81.4% |