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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 | $7,121 | $71,215-90.0% | $93,696-92.4% | $80,935-91.2% |
| Participation rate | 62.5% | 60.4%+2.1pp | 68.7%-6.2pp | 67.7%-5.2pp |
| Annual return | 13.70% | 11.27%+2.4pp | 133.74%-120.0pp | 35.66%-22.0pp |
| Employer contribution / active EE | $542 | $1,565-65.4% | $2,422-77.6% | $2,757-80.4% |
| Participant deferral / active EE | $1,025 | $4,037-74.6% | $4,417-76.8% | $4,299-76.1% |
| Admin fee / account holder | $353 | $6,958-94.9% | $8,287-95.7% | $6,924-94.9% |