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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 | $12,046 | $97,648-87.7% | $121,663-90.1% | $87,485-86.2% |
| Participation rate | 68.5% | 70.5%-2.0pp | 74.5%-6.0pp | 68.9%-0.4pp |
| Annual return | 18.72% | 18.03%+0.7pp | 147.54%-128.8pp | 26.06%-7.3pp |
| Employer contribution / active EE | $919 | $2,300-60.0% | $3,020-69.6% | $2,596-64.6% |
| Participant deferral / active EE | $1,343 | $3,923-65.8% | $4,887-72.5% | $4,274-68.6% |
| Admin fee / account holder | $1,111 | $11,100-90.0% | $14,289-92.2% | $7,775-85.7% |