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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 | $4,055 | $126,661-96.8% | $113,397-96.4% | $138,895-97.1% |
| Participation rate | 61.1% | 79.4%-18.3pp | 76.5%-15.4pp | 79.9%-18.8pp |
| Annual return | 16.07% | 25.05%-9.0pp | 23.20%-7.1pp | 145.39%-129.3pp |
| Employer contribution / active EE | $899 | $3,456-74.0% | $2,977-69.8% | $4,194-78.6% |
| Participant deferral / active EE | $1,498 | $5,693-73.7% | $5,076-70.5% | $6,396-76.6% |
| Admin fee / account holder | $2,707 | $14,549-81.4% | $11,957-77.4% | $12,562-78.4% |