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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 | $6,104 | $55,713-89.0% | $75,894-92.0% | $72,983-91.6% |
| Participation rate | 64.4% | 61.1%+3.3pp | 69.3%-4.8pp | 69.5%-5.0pp |
| Annual return | 29.29% | 27.60%+1.7pp | 30.76%-1.5pp | 81.01%-51.7pp |
| Employer contribution / active EE | $320 | $1,687-81.0% | $2,501-87.2% | $2,440-86.9% |
| Participant deferral / active EE | $715 | $2,634-72.9% | $3,603-80.2% | $3,608-80.2% |
| Admin fee / account holder | $599 | $3,980-84.9% | $5,420-88.9% | $5,124-88.3% |