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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 | $6,959 | $45,312-84.6% | $86,233-91.9% | $67,986-89.8% |
| Participation rate | 15.4% | 42.4%-27.0pp | 69.0%-53.6pp | 57.2%-41.8pp |
| Annual return | 6.72% | 24.79%-18.1pp | 61.39%-54.7pp | 31.67%-24.9pp |
| Employer contribution / active EE | $113 | $1,160-90.3% | $2,504-95.5% | $2,019-94.4% |
| Participant deferral / active EE | $169 | $2,185-92.3% | $4,559-96.3% | $3,358-95.0% |
| Admin fee / account holder | $3,843 | $3,295+16.6% | $8,342-53.9% | $3,203+20.0% |