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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 | $8,078 | $54,380-85.1% | $68,509-88.2% | $59,633-86.5% |
| Participation rate | 60.0% | 70.2%-10.2pp | 74.7%-14.7pp | 68.7%-8.7pp |
| Annual return | -3.92% | 2.83%-6.8pp | 8.27%-12.2pp | 2041.45%-2045.4pp |
| Employer contribution / active EE | $378 | $1,539-75.4% | $2,278-83.4% | $2,203-82.9% |
| Participant deferral / active EE | $883 | $2,643-66.6% | $3,382-73.9% | $3,192-72.3% |
| Admin fee / account holder | $772 | $3,885-80.1% | $5,275-85.4% | $4,297-82.0% |