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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 | $4,501 | $105,200-95.7% | $159,474-97.2% | $85,847-94.8% |
| Participation rate | 67.9% | 75.8%-7.9pp | 82.8%-14.9pp | 69.3%-1.4pp |
| Annual return | 14.80% | 45.08%-30.3pp | 263.68%-248.9pp | 318.61%-303.8pp |
| Employer contribution / active EE | $2,722 | $3,319-18.0% | $4,831-43.7% | $2,565+6.1% |
| Participant deferral / active EE | $762 | $5,946-87.2% | $7,353-89.6% | $3,952-80.7% |
| Admin fee / account holder | $549 | $6,934-92.1% | $10,802-94.9% | $6,261-91.2% |