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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 | $7,423 | $90,400-91.8% | $186,193-96.0% | $87,485-91.5% |
| Participation rate | 67.9% | 66.2%+1.7pp | 77.1%-9.3pp | 68.9%-1.1pp |
| Annual return | 21.91% | 22.15%-0.2pp | 78.03%-56.1pp | 26.06%-4.2pp |
| Employer contribution / active EE | $961 | $2,170-55.7% | $3,918-75.5% | $2,596-63.0% |
| Participant deferral / active EE | $1,274 | $4,330-70.6% | $6,513-80.4% | $4,274-70.2% |
| Admin fee / account holder | $1,241 | $8,673-85.7% | $11,058-88.8% | $7,775-84.0% |