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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 | $6,317 | $80,983-92.2% | $96,544-93.5% | $75,177-91.6% |
| Participation rate | 68.8% | 71.8%-3.0pp | 76.0%-7.2pp | 67.2%+1.5pp |
| Annual return | 32.34% | 27.05%+5.3pp | 25.88%+6.5pp | 160.75%-128.4pp |
| Employer contribution / active EE | $975 | $2,282-57.3% | $2,966-67.1% | $2,671-63.5% |
| Participant deferral / active EE | $767 | $3,929-80.5% | $4,851-84.2% | $4,126-81.4% |
| Admin fee / account holder | $586 | $6,717-91.3% | $8,254-92.9% | $5,651-89.6% |