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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 | $4,403 | $45,079-90.2% | $69,461-93.7% | $72,983-94.0% |
| Participation rate | 68.7% | 68.5%+0.2pp | 74.6%-5.9pp | 69.5%-0.8pp |
| Annual return | 21.59% | 22.65%-1.1pp | 28.97%-7.4pp | 81.01%-59.4pp |
| Employer contribution / active EE | $0 | $2,055-100.0% | $2,779-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $284 | $2,603-89.1% | $3,536-92.0% | $3,608-92.1% |
| Admin fee / account holder | $359 | $3,056-88.3% | $3,840-90.7% | $5,124-93.0% |