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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 | $4,770 | $88,996-94.6% | $78,004-93.9% | $138,895-96.6% |
| Participation rate | 68.4% | 74.4%-5.9pp | 69.4%-1.0pp | 79.9%-11.5pp |
| Annual return | 16.70% | 28.03%-11.3pp | 31.07%-14.4pp | 145.39%-128.7pp |
| Employer contribution / active EE | $620 | $2,917-78.7% | $2,469-74.9% | $4,194-85.2% |
| Participant deferral / active EE | $944 | $4,724-80.0% | $4,092-76.9% | $6,396-85.2% |
| Admin fee / account holder | $572 | $8,807-93.5% | $7,578-92.4% | $12,562-95.4% |