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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 | $22,884 | $80,332-71.5% | $107,187-78.7% | $64,097-64.3% |
| Participation rate | 29.8% | 54.4%-24.6pp | 75.0%-45.2pp | 55.2%-25.4pp |
| Annual return | 5.65% | 24.26%-18.6pp | 204.55%-198.9pp | 34.64%-29.0pp |
| Employer contribution / active EE | $646 | $2,501-74.2% | $3,782-82.9% | $1,891-65.9% |
| Participant deferral / active EE | $216 | $3,109-93.1% | $5,096-95.8% | $3,080-93.0% |
| Admin fee / account holder | $3,819 | $4,314-11.5% | $9,162-58.3% | $3,454+10.5% |