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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 | $3,098 | $60,442-94.9% | $96,754-96.8% | $87,485-96.5% |
| Participation rate | 69.0% | 58.7%+10.3pp | 70.3%-1.2pp | 68.9%+0.1pp |
| Annual return | 17.41% | 21.97%-4.6pp | 82.04%-64.6pp | 26.06%-8.7pp |
| Employer contribution / active EE | $0 | $1,691-100.0% | $2,679-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $513 | $3,280-84.4% | $4,758-89.2% | $4,274-88.0% |
| Admin fee / account holder | $316 | $5,069-93.8% | $8,905-96.4% | $7,775-95.9% |