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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 | $14,837 | $71,215-79.2% | $93,696-84.2% | $80,935-81.7% |
| Participation rate | 67.6% | 60.4%+7.2pp | 68.7%-1.1pp | 67.7%0pp |
| Annual return | 13.71% | 11.27%+2.4pp | 133.74%-120.0pp | 35.66%-22.0pp |
| Employer contribution / active EE | $595 | $1,565-62.0% | $2,422-75.5% | $2,757-78.4% |
| Participant deferral / active EE | $646 | $4,037-84.0% | $4,417-85.4% | $4,299-85.0% |
| Admin fee / account holder | $795 | $6,958-88.6% | $8,287-90.4% | $6,924-88.5% |