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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 | $9,209 | $73,787-87.5% | $98,716-90.7% | $82,448-88.8% |
| Participation rate | 65.6% | 61.4%+4.2pp | 69.3%-3.7pp | 68.1%-2.4pp |
| Annual return | 19.19% | 18.57%+0.6pp | 31.81%-12.6pp | 41.64%-22.5pp |
| Employer contribution / active EE | $578 | $1,511-61.7% | $2,279-74.6% | $2,551-77.3% |
| Participant deferral / active EE | $885 | $3,081-71.3% | $4,048-78.1% | $4,139-78.6% |
| Admin fee / account holder | $408 | $6,500-93.7% | $8,703-95.3% | $7,234-94.4% |