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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 | $4,437 | $55,930-92.1% | $76,089-94.2% | $80,925-94.5% |
| Participation rate | 51.9% | 62.1%-10.2pp | 69.1%-17.2pp | 67.7%-15.8pp |
| Annual return | 10.64% | 20.58%-9.9pp | 360.94%-350.3pp | 35.65%-25.0pp |
| Employer contribution / active EE | $546 | $1,866-70.8% | $2,690-79.7% | $2,756-80.2% |
| Participant deferral / active EE | $683 | $3,051-77.6% | $4,259-84.0% | $4,299-84.1% |
| Admin fee / account holder | $785 | $5,241-85.0% | $6,418-87.8% | $6,940-88.7% |