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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 | $76,834-88.0% | $108,359-91.5% | $87,485-89.5% |
| Participation rate | 65.6% | 61.7%+3.9pp | 70.1%-4.5pp | 68.9%-3.3pp |
| Annual return | 19.19% | 19.09%+0.1pp | 36.89%-17.7pp | 26.06%-6.9pp |
| Employer contribution / active EE | $578 | $1,556-62.8% | $2,399-75.9% | $2,596-77.7% |
| Participant deferral / active EE | $885 | $3,100-71.4% | $4,137-78.6% | $4,274-79.3% |
| Admin fee / account holder | $408 | $6,537-93.8% | $9,741-95.8% | $7,775-94.8% |