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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 | $1,234 | $60,442-98.0% | $96,754-98.7% | $87,485-98.6% |
| Participation rate | 65.1% | 58.7%+6.4pp | 70.3%-5.2pp | 68.9%-3.9pp |
| Annual return | 17.22% | 21.97%-4.8pp | 82.04%-64.8pp | 26.06%-8.8pp |
| Employer contribution / active EE | $237 | $1,691-86.0% | $2,679-91.2% | $2,596-90.9% |
| Participant deferral / active EE | $304 | $3,280-90.7% | $4,758-93.6% | $4,274-92.9% |
| Admin fee / account holder | $499 | $5,069-90.2% | $8,905-94.4% | $7,775-93.6% |