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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 | $4,986 | $93,598-94.7% | $135,974-96.3% | $75,173-93.4% |
| Participation rate | 69.0% | 75.2%-6.2pp | 81.9%-13.0pp | 67.2%+1.8pp |
| Annual return | 17.65% | 30.89%-13.2pp | 68.30%-50.7pp | 160.72%-143.1pp |
| Employer contribution / active EE | $804 | $3,538-77.3% | $4,859-83.5% | $2,671-69.9% |
| Participant deferral / active EE | $1,354 | $6,405-78.9% | $7,760-82.5% | $4,126-67.2% |
| Admin fee / account holder | $613 | $6,978-91.2% | $10,767-94.3% | $5,651-89.2% |