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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 | $5,059 | $81,358-93.8% | $155,556-96.7% | $80,959-93.8% |
| Participation rate | 66.7% | 66.3%+0.4pp | 78.2%-11.6pp | 67.7%-1.0pp |
| Annual return | 13.70% | 33.39%-19.7pp | 64.84%-51.1pp | 35.67%-22.0pp |
| Employer contribution / active EE | $560 | $3,106-82.0% | $4,675-88.0% | $2,757-79.7% |
| Participant deferral / active EE | $837 | $3,455-75.8% | $5,631-85.1% | $4,300-80.5% |
| Admin fee / account holder | $611 | $7,994-92.4% | $15,885-96.2% | $6,925-91.2% |