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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 | $64,920-92.3% | $103,693-95.2% | $86,983-94.3% |
| Participation rate | 60.5% | 63.6%-3.1pp | 72.6%-12.1pp | 69.5%-9.0pp |
| Annual return | 13.02% | 30.29%-17.3pp | 47.61%-34.6pp | 25.83%-12.8pp |
| Employer contribution / active EE | $247 | $2,141-88.5% | $2,920-91.5% | $2,584-90.4% |
| Participant deferral / active EE | $698 | $3,241-78.5% | $4,579-84.8% | $4,194-83.4% |
| Admin fee / account holder | $841 | $6,191-86.4% | $7,858-89.3% | $7,856-89.3% |