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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 | $5,354 | $76,407-93.0% | $150,298-96.4% | $82,448-93.5% |
| Participation rate | 69.4% | 66.4%+3.0pp | 77.8%-8.3pp | 68.1%+1.3pp |
| Annual return | 16.44% | 39.99%-23.6pp | 62.79%-46.3pp | 41.64%-25.2pp |
| Employer contribution / active EE | $472 | $2,614-82.0% | $4,154-88.6% | $2,551-81.5% |
| Participant deferral / active EE | $825 | $3,214-74.3% | $5,453-84.9% | $4,139-80.1% |
| Admin fee / account holder | $1,717 | $6,352-73.0% | $14,116-87.8% | $7,234-76.3% |