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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 | $3,051 | $63,703-95.2% | $93,063-96.7% | $82,448-96.3% |
| Participation rate | 61.5% | 63.8%-2.3pp | 72.1%-10.6pp | 68.1%-6.5pp |
| Annual return | 16.94% | -775.43%+792.4pp | 34.15%-17.2pp | 41.64%-24.7pp |
| Employer contribution / active EE | $440 | $1,729-74.6% | $2,476-82.2% | $2,551-82.8% |
| Participant deferral / active EE | $768 | $2,919-73.7% | $3,958-80.6% | $4,139-81.5% |
| Admin fee / account holder | $1,242 | $5,982-79.2% | $6,033-79.4% | $7,234-82.8% |