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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 | $9,912 | $53,128-81.3% | $86,582-88.6% | $70,126-85.9% |
| Participation rate | 69.0% | 65.3%+3.7pp | 73.5%-4.6pp | 69.5%-0.6pp |
| Annual return | 9.23% | 27.66%-18.4pp | 965.08%-955.9pp | 73.15%-63.9pp |
| Employer contribution / active EE | $279 | $2,068-86.5% | $2,839-90.2% | $2,343-88.1% |
| Participant deferral / active EE | $558 | $2,695-79.3% | $3,609-84.5% | $3,332-83.3% |
| Admin fee / account holder | $338 | $3,584-90.6% | $4,904-93.1% | $4,645-92.7% |