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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 | $5,783 | $29,525-80.4% | $56,033-89.7% | $77,736-92.6% |
| Participation rate | 8.7% | 32.7%-23.9pp | 52.5%-43.8pp | 70.6%-61.9pp |
| Annual return | 7.68% | 18.90%-11.2pp | 1711.38%-1703.7pp | 31.26%-23.6pp |
| Employer contribution / active EE | $114 | $569-80.0% | $1,041-89.0% | $2,728-95.8% |
| Participant deferral / active EE | $229 | $1,062-78.4% | $1,954-88.3% | $4,651-95.1% |
| Admin fee / account holder | $639 | $1,040-38.6% | $2,827-77.4% | $433+47.5% |