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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 | $26,241 | $86,940-69.8% | $102,434-74.4% | $80,935-67.6% |
| Participation rate | 68.8% | 72.4%-3.6pp | 76.5%-7.8pp | 67.7%+1.1pp |
| Annual return | 6.64% | 18.89%-12.3pp | 29.46%-22.8pp | 35.66%-29.0pp |
| Employer contribution / active EE | $732 | $2,370-69.1% | $3,023-75.8% | $2,757-73.5% |
| Participant deferral / active EE | $1,809 | $4,121-56.1% | $5,055-64.2% | $4,299-57.9% |
| Admin fee / account holder | $10,931 | $8,047+35.8% | $9,462+15.5% | $6,924+57.9% |