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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 | $9,499 | $69,444-86.3% | $92,985-89.8% | $87,485-89.1% |
| Participation rate | 65.9% | 63.3%+2.6pp | 69.5%-3.6pp | 68.9%-3.1pp |
| Annual return | 17.90% | 23.85%-6.0pp | 27.99%-10.1pp | 26.06%-8.2pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $966 | $3,364-71.3% | $4,377-77.9% | $4,274-77.4% |
| Admin fee / account holder | $1,134 | $6,137-81.5% | $9,463-88.0% | $7,775-85.4% |