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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 | $2,849 | $58,848-95.2% | $88,179-96.8% | $82,637-96.6% |
| Participation rate | 62.1% | 57.9%+4.2pp | 69.1%-7.1pp | 68.1%-6.0pp |
| Annual return | 20.96% | 22.76%-1.8pp | 64.97%-44.0pp | 53.51%-32.6pp |
| Employer contribution / active EE | $386 | $1,678-77.0% | $2,549-84.8% | $2,552-84.9% |
| Participant deferral / active EE | $423 | $3,124-86.5% | $4,614-90.8% | $4,126-89.7% |
| Admin fee / account holder | $433 | $4,795-91.0% | $7,673-94.4% | $7,339-94.1% |