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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 | $5,759 | $75,541-92.4% | $152,093-96.2% | $82,637-93.0% |
| Participation rate | 28.6% | 66.5%-38.0pp | 77.8%-49.2pp | 68.1%-39.5pp |
| Annual return | 10.65% | 32.56%-21.9pp | 66.36%-55.7pp | 53.51%-42.9pp |
| Employer contribution / active EE | $479 | $2,622-81.7% | $4,175-88.5% | $2,552-81.2% |
| Participant deferral / active EE | $674 | $3,206-79.0% | $5,451-87.6% | $4,126-83.7% |
| Admin fee / account holder | $1,234 | $6,405-80.7% | $14,497-91.5% | $7,339-83.2% |