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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 | $7,011 | $71,197-90.2% | $93,669-92.5% | $80,925-91.3% |
| Participation rate | 64.9% | 60.4%+4.5pp | 68.7%-3.9pp | 67.7%-2.8pp |
| Annual return | 11.90% | 11.27%+0.6pp | 133.59%-121.7pp | 35.65%-23.7pp |
| Employer contribution / active EE | $450 | $1,565-71.3% | $2,424-81.4% | $2,756-83.7% |
| Participant deferral / active EE | $739 | $4,036-81.7% | $4,416-83.3% | $4,299-82.8% |
| Admin fee / account holder | $434 | $6,959-93.8% | $8,291-94.8% | $6,940-93.7% |