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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 | $5,486 | $47,944-88.6% | $67,834-91.9% | $62,881-91.3% |
| Participation rate | 45.9% | 61.1%-15.2pp | 68.8%-22.9pp | 69.3%-23.4pp |
| Annual return | 2.66% | 11.77%-9.1pp | 138.47%-135.8pp | 20.14%-17.5pp |
| Employer contribution / active EE | $509 | $1,562-67.4% | $2,403-78.8% | $2,281-77.7% |
| Participant deferral / active EE | $777 | $2,247-65.4% | $3,160-75.4% | $3,203-75.7% |
| Admin fee / account holder | $652 | $3,712-82.4% | $4,622-85.9% | $4,296-84.8% |