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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 | $3,166 | $51,222-93.8% | $70,544-95.5% | $75,173-95.8% |
| Participation rate | 51.9% | 61.0%-9.1pp | 68.4%-16.5pp | 67.2%-15.4pp |
| Annual return | 31.41% | 30.06%+1.4pp | 32.79%-1.4pp | 160.72%-129.3pp |
| Employer contribution / active EE | $642 | $1,827-64.9% | $2,976-78.4% | $2,671-76.0% |
| Participant deferral / active EE | $690 | $2,850-75.8% | $4,568-84.9% | $4,126-83.3% |
| Admin fee / account holder | $436 | $4,096-89.4% | $6,427-93.2% | $5,651-92.3% |