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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 | $1,314 | $51,166-97.4% | $70,544-98.1% | $71,511-98.2% |
| Participation rate | 57.6% | 59.4%-1.8pp | 68.4%-10.8pp | 67.9%-10.3pp |
| Annual return | 48.32% | 42.71%+5.6pp | 32.79%+15.5pp | 28.86%+19.5pp |
| Employer contribution / active EE | $365 | $1,793-79.6% | $2,976-87.7% | $2,589-85.9% |
| Participant deferral / active EE | $716 | $3,031-76.4% | $4,568-84.3% | $4,291-83.3% |
| Admin fee / account holder | $479 | $2,000-76.1% | $6,427-92.6% | $1,588-69.9% |