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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 | $15,064 | $70,002-78.5% | $115,038-86.9% | $52,331-71.2% |
| Participation rate | 38.3% | 72.1%-33.8pp | 81.4%-43.0pp | 68.1%-29.8pp |
| Annual return | -3.92% | 4.04%-8.0pp | 26.14%-30.1pp | 4.54%-8.5pp |
| Employer contribution / active EE | $867 | $2,715-68.1% | $4,608-81.2% | $1,882-53.9% |
| Participant deferral / active EE | $1,399 | $4,920-71.6% | $6,026-76.8% | $3,022-53.7% |
| Admin fee / account holder | $952 | $566+68.2% | $8,175-88.4% | $592+60.9% |