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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 | $4,407 | $78,690-94.4% | $161,489-97.3% | $87,485-95.0% |
| Participation rate | 68.2% | 67.5%+0.7pp | 78.7%-10.5pp | 68.9%-0.7pp |
| Annual return | 19.30% | 32.74%-13.4pp | 89.72%-70.4pp | 26.06%-6.8pp |
| Employer contribution / active EE | $434 | $2,588-83.2% | $4,268-89.8% | $2,596-83.3% |
| Participant deferral / active EE | $923 | $3,311-72.1% | $5,630-83.6% | $4,274-78.4% |
| Admin fee / account holder | $326 | $6,724-95.2% | $16,006-98.0% | $7,775-95.8% |