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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 | $16,821 | $90,400-81.4% | $186,193-91.0% | $87,485-80.8% |
| Participation rate | 69.0% | 66.2%+2.8pp | 77.1%-8.1pp | 68.9%0pp |
| Annual return | 16.08% | 22.15%-6.1pp | 78.03%-62.0pp | 26.06%-10.0pp |
| Employer contribution / active EE | $669 | $2,170-69.2% | $3,918-82.9% | $2,596-74.2% |
| Participant deferral / active EE | $903 | $4,330-79.2% | $6,513-86.1% | $4,274-78.9% |
| Admin fee / account holder | $835 | $8,673-90.4% | $11,058-92.4% | $7,775-89.3% |