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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 | $4,666 | $81,504-94.3% | $102,437-95.4% | $80,959-94.2% |
| Participation rate | 67.7% | 66.9%+0.9pp | 74.5%-6.8pp | 67.7%+0.1pp |
| Annual return | 14.31% | 25.60%-11.3pp | 24.95%-10.6pp | 35.67%-21.4pp |
| Employer contribution / active EE | $974 | $3,104-68.6% | $3,871-74.8% | $2,757-64.7% |
| Participant deferral / active EE | $1,237 | $3,871-68.0% | $5,060-75.6% | $4,300-71.2% |
| Admin fee / account holder | $324 | $6,719-95.2% | $8,388-96.1% | $6,925-95.3% |