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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 | $74,535-87.6% | $100,712-90.9% | $82,637-88.9% |
| Participation rate | 65.6% | 61.2%+4.5pp | 69.3%-3.7pp | 68.1%-2.4pp |
| Annual return | 19.19% | 18.92%+0.3pp | 33.27%-14.1pp | 53.51%-34.3pp |
| Employer contribution / active EE | $578 | $1,503-61.5% | $2,313-75.0% | $2,552-77.3% |
| Participant deferral / active EE | $885 | $3,074-71.2% | $4,085-78.3% | $4,126-78.5% |
| Admin fee / account holder | $408 | $6,576-93.8% | $9,256-95.6% | $7,339-94.4% |