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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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $6,449 | $48,364-86.7% | $71,796-91.0% | $62,881-89.7% |
| Participation rate | 51.7% | 60.6%-8.9pp | 69.1%-17.4pp | 69.3%-17.6pp |
| Annual return | 3.09% | 13.16%-10.1pp | 78.04%-74.9pp | 20.14%-17.1pp |
| Employer contribution / active EE | $381 | $1,042-63.5% | $1,924-80.2% | $2,281-83.3% |
| Participant deferral / active EE | $710 | $2,091-66.0% | $2,794-74.6% | $3,203-77.8% |
| Admin fee / account holder | $604 | $3,771-84.0% | $4,815-87.5% | $4,296-85.9% |