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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 | $101,950-88.2% | $125,529-90.4% | $86,983-86.2% |
| Participation rate | 68.5% | 70.2%-1.6pp | 74.7%-6.2pp | 69.5%-1.0pp |
| Annual return | 18.72% | 18.29%+0.4pp | 202.56%-183.8pp | 25.83%-7.1pp |
| Employer contribution / active EE | $919 | $2,358-61.0% | $3,058-69.9% | $2,584-64.4% |
| Participant deferral / active EE | $1,343 | $3,862-65.2% | $4,813-72.1% | $4,194-68.0% |
| Admin fee / account holder | $1,111 | $12,791-91.3% | $16,298-93.2% | $7,856-85.9% |