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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 | $5,518 | $57,061-90.3% | $85,063-93.5% | $80,911-93.2% |
| Participation rate | 51.6% | 56.3%-4.7pp | 67.5%-15.9pp | 67.6%-16.0pp |
| Annual return | 10.12% | 21.66%-11.5pp | 66.54%-56.4pp | 35.63%-25.5pp |
| Employer contribution / active EE | $533 | $1,799-70.4% | $2,727-80.4% | $2,756-80.7% |
| Participant deferral / active EE | $672 | $3,110-78.4% | $4,523-85.1% | $4,297-84.4% |
| Admin fee / account holder | $340 | $4,986-93.2% | $6,155-94.5% | $6,935-95.1% |