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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 | $5,689 | $45,079-87.4% | $69,461-91.8% | $72,983-92.2% |
| Participation rate | 56.3% | 68.5%-12.2pp | 74.6%-18.4pp | 69.5%-13.2pp |
| Annual return | 28.47% | 22.65%+5.8pp | 28.97%-0.5pp | 81.01%-52.5pp |
| Employer contribution / active EE | $922 | $2,055-55.1% | $2,779-66.8% | $2,440-62.2% |
| Participant deferral / active EE | $47 | $2,603-98.2% | $3,536-98.7% | $3,608-98.7% |
| Admin fee / account holder | $351 | $3,056-88.5% | $3,840-90.9% | $5,124-93.2% |