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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 | $9,327 | $56,054-83.4% | $171,082-94.5% | $62,881-85.2% |
| Participation rate | 38.7% | 62.9%-24.2pp | 76.7%-38.0pp | 69.3%-30.6pp |
| Annual return | 3.94% | 22.52%-18.6pp | 32.56%-28.6pp | 20.14%-16.2pp |
| Employer contribution / active EE | $280 | $1,731-83.8% | $4,002-93.0% | $2,281-87.7% |
| Participant deferral / active EE | $766 | $3,158-75.7% | $4,797-84.0% | $3,203-76.1% |
| Admin fee / account holder | $596 | $3,647-83.7% | $8,520-93.0% | $4,296-86.1% |