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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 | $3,143 | $55,889-94.4% | $76,119-95.9% | $80,935-96.1% |
| Participation rate | 65.5% | 62.1%+3.5pp | 69.1%-3.6pp | 67.7%-2.1pp |
| Annual return | 14.96% | 20.58%-5.6pp | 361.25%-346.3pp | 35.66%-20.7pp |
| Employer contribution / active EE | $510 | $1,866-72.7% | $2,693-81.1% | $2,757-81.5% |
| Participant deferral / active EE | $729 | $3,051-76.1% | $4,259-82.9% | $4,299-83.0% |
| Admin fee / account holder | $921 | $5,241-82.4% | $6,421-85.7% | $6,924-86.7% |