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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 | $6,369 | $61,660-89.7% | $80,022-92.0% | $64,173-90.1% |
| Participation rate | 69.7% | 71.7%-2.0pp | 75.8%-6.1pp | 69.6%+0.2pp |
| Annual return | -11.32% | -0.33%-11.0pp | 11.22%-22.5pp | 7.63%-18.9pp |
| Employer contribution / active EE | $1,402 | $1,810-22.5% | $2,468-43.2% | $2,381-41.1% |
| Participant deferral / active EE | $437 | $2,968-85.3% | $3,686-88.1% | $3,470-87.4% |
| Admin fee / account holder | $579 | $5,417-89.3% | $6,521-91.1% | $4,887-88.2% |