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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 | $4,799 | $72,492-93.4% | $87,104-94.5% | $72,975-93.4% |
| Participation rate | 57.0% | 72.8%-15.8pp | 76.9%-19.9pp | 69.5%-12.5pp |
| Annual return | 22.76% | 24.46%-1.7pp | 28.19%-5.4pp | 81.01%-58.3pp |
| Employer contribution / active EE | $712 | $1,894-62.4% | $2,521-71.8% | $2,440-70.8% |
| Participant deferral / active EE | $875 | $3,270-73.2% | $4,048-78.4% | $3,608-75.7% |
| Admin fee / account holder | $1,102 | $5,055-78.2% | $7,491-85.3% | $5,124-78.5% |