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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 | $4,969 | $58,292-91.5% | $86,640-94.3% | $71,511-93.1% |
| Participation rate | 67.0% | 65.0%+2.0pp | 71.7%-4.7pp | 67.9%-1.0pp |
| Annual return | 14.82% | 21.63%-6.8pp | 592.52%-577.7pp | 28.86%-14.0pp |
| Employer contribution / active EE | $978 | $2,574-62.0% | $3,024-67.6% | $2,589-62.2% |
| Participant deferral / active EE | $783 | $3,438-77.2% | $4,438-82.4% | $4,291-81.8% |
| Admin fee / account holder | $429 | $1,057-59.5% | $5,616-92.4% | $1,588-73.0% |