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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 | $7,947 | $73,787-89.2% | $98,716-92.0% | $82,448-90.4% |
| Participation rate | 68.9% | 61.4%+7.5pp | 69.3%-0.4pp | 68.1%+0.8pp |
| Annual return | 16.44% | 18.57%-2.1pp | 31.81%-15.4pp | 41.64%-25.2pp |
| Employer contribution / active EE | $398 | $1,511-73.6% | $2,279-82.5% | $2,551-84.4% |
| Participant deferral / active EE | $694 | $3,081-77.5% | $4,048-82.8% | $4,139-83.2% |
| Admin fee / account holder | $336 | $6,500-94.8% | $8,703-96.1% | $7,234-95.4% |