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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 | $5,481 | $71,208-92.3% | $93,681-94.1% | $80,911-93.2% |
| Participation rate | 41.2% | 60.4%-19.2pp | 68.7%-27.6pp | 67.6%-26.5pp |
| Annual return | 2.89% | 11.27%-8.4pp | 133.47%-130.6pp | 35.63%-32.7pp |
| Employer contribution / active EE | $750 | $1,564-52.1% | $2,422-69.0% | $2,756-72.8% |
| Participant deferral / active EE | $1,097 | $4,035-72.8% | $4,415-75.2% | $4,297-74.5% |
| Admin fee / account holder | $520 | $6,951-92.5% | $8,290-93.7% | $6,935-92.5% |