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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 | $9,210 | $57,541-84.0% | $95,728-90.4% | $75,181-87.8% |
| Participation rate | 61.1% | 62.5%-1.4pp | 72.3%-11.2pp | 67.2%-6.1pp |
| Annual return | 9.89% | 34.93%-25.0pp | 28.40%-18.5pp | 160.69%-150.8pp |
| Employer contribution / active EE | $359 | $1,808-80.2% | $2,835-87.4% | $2,671-86.6% |
| Participant deferral / active EE | $949 | $3,074-69.1% | $4,245-77.6% | $4,126-77.0% |
| Admin fee / account holder | $698 | $4,099-83.0% | $5,673-87.7% | $5,650-87.6% |