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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 | $7,914 | $50,082-84.2% | $93,515-91.5% | $79,856-90.1% |
| Participation rate | 33.9% | 60.9%-27.0pp | 66.8%-32.9pp | 69.6%-35.7pp |
| Annual return | 5.34% | 24.59%-19.3pp | 78.21%-72.9pp | 31.71%-26.4pp |
| Employer contribution / active EE | $294 | $1,303-77.4% | $2,077-85.8% | $2,471-88.1% |
| Participant deferral / active EE | $540 | $2,212-75.6% | $3,129-82.7% | $3,741-85.6% |
| Admin fee / account holder | $908 | $3,454-73.7% | $5,235-82.7% | $5,306-82.9% |