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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 | $2,536 | $57,073-95.6% | $85,126-97.0% | $80,925-96.9% |
| Participation rate | 62.7% | 56.4%+6.3pp | 67.5%-4.8pp | 67.7%-4.9pp |
| Annual return | 11.27% | 21.69%-10.4pp | 66.63%-55.4pp | 35.65%-24.4pp |
| Employer contribution / active EE | $471 | $1,801-73.9% | $2,731-82.8% | $2,756-82.9% |
| Participant deferral / active EE | $617 | $3,113-80.2% | $4,523-86.4% | $4,299-85.6% |
| Admin fee / account holder | $1,302 | $4,988-73.9% | $6,160-78.9% | $6,940-81.2% |