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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 | $11,490 | $54,541-78.9% | $78,778-85.4% | $70,126-83.6% |
| Participation rate | 45.2% | 60.8%-15.6pp | 69.2%-24.0pp | 69.5%-24.4pp |
| Annual return | 11.14% | 21.07%-9.9pp | 35.62%-24.5pp | 73.15%-62.0pp |
| Employer contribution / active EE | $213 | $1,089-80.4% | $1,986-89.3% | $2,343-90.9% |
| Participant deferral / active EE | $394 | $2,210-82.2% | $2,958-86.7% | $3,332-88.2% |
| Admin fee / account holder | $898 | $3,709-75.8% | $5,134-82.5% | $4,645-80.7% |