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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 | $11,322 | $77,638-85.4% | $156,551-92.8% | $62,881-82.0% |
| Participation rate | 69.2% | 71.2%-2.0pp | 84.0%-14.8pp | 69.3%-0.1pp |
| Annual return | 6.10% | 50.33%-44.2pp | 32.23%-26.1pp | 20.14%-14.0pp |
| Employer contribution / active EE | $675 | $3,444-80.4% | $5,501-87.7% | $2,281-70.4% |
| Participant deferral / active EE | $760 | $3,046-75.0% | $4,871-84.4% | $3,203-76.3% |
| Admin fee / account holder | $3,026 | $5,561-45.6% | $13,028-76.8% | $4,296-29.6% |