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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 | $8,224 | $62,586-86.9% | $76,766-89.3% | $64,181-87.2% |
| Participation rate | 34.7% | 72.8%-38.1pp | 77.0%-42.3pp | 69.6%-34.9pp |
| Annual return | -7.95% | -1.95%-6.0pp | 2.43%-10.4pp | 7.63%-15.6pp |
| Employer contribution / active EE | $413 | $1,832-77.4% | $2,485-83.4% | $2,381-82.6% |
| Participant deferral / active EE | $846 | $3,145-73.1% | $3,851-78.0% | $3,470-75.6% |
| Admin fee / account holder | $323 | $4,667-93.1% | $6,675-95.2% | $4,887-93.4% |