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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 | $4,999 | $61,125-91.8% | $94,057-94.7% | $87,485-94.3% |
| Participation rate | 60.5% | 64.1%-3.5pp | 73.3%-12.8pp | 68.9%-8.4pp |
| Annual return | 13.02% | 35.20%-22.2pp | 480.62%-467.6pp | 26.06%-13.0pp |
| Employer contribution / active EE | $247 | $2,136-88.4% | $2,933-91.6% | $2,596-90.5% |
| Participant deferral / active EE | $698 | $3,260-78.6% | $4,709-85.2% | $4,274-83.7% |
| Admin fee / account holder | $841 | $5,629-85.1% | $7,244-88.4% | $7,775-89.2% |