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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 | $3,444 | $69,444-95.0% | $92,985-96.3% | $87,485-96.1% |
| Participation rate | 63.0% | 63.3%-0.3pp | 69.5%-6.5pp | 68.9%-6.0pp |
| Annual return | 14.92% | 23.85%-8.9pp | 27.99%-13.1pp | 26.06%-11.1pp |
| Employer contribution / active EE | $0 | $1,917-100.0% | $2,662-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $915 | $3,364-72.8% | $4,377-79.1% | $4,274-78.6% |
| Admin fee / account holder | $1,039 | $6,137-83.1% | $9,463-89.0% | $7,775-86.6% |