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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 | $4,154 | $61,125-93.2% | $94,057-95.6% | $87,485-95.3% |
| Participation rate | 37.5% | 64.1%-26.6pp | 73.3%-35.8pp | 68.9%-31.4pp |
| Annual return | 24.92% | 35.20%-10.3pp | 480.62%-455.7pp | 26.06%-1.1pp |
| Employer contribution / active EE | $323 | $2,136-84.9% | $2,933-89.0% | $2,596-87.6% |
| Participant deferral / active EE | $618 | $3,260-81.0% | $4,709-86.9% | $4,274-85.5% |
| Admin fee / account holder | $314 | $5,629-94.4% | $7,244-95.7% | $7,775-96.0% |