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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 | $5,675 | $54,763-89.6% | $90,324-93.7% | $72,976-92.2% |
| Participation rate | 32.8% | 65.2%-32.3pp | 73.3%-40.5pp | 69.5%-36.7pp |
| Annual return | 2.25% | 30.63%-28.4pp | 78.15%-75.9pp | 81.02%-78.8pp |
| Employer contribution / active EE | $243 | $2,093-88.4% | $2,856-91.5% | $2,440-90.1% |
| Participant deferral / active EE | $361 | $2,887-87.5% | $3,885-90.7% | $3,608-90.0% |
| Admin fee / account holder | $414 | $3,973-89.6% | $5,356-92.3% | $5,124-91.9% |