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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 | $2,864 | $63,703-95.5% | $93,063-96.9% | $82,448-96.5% |
| Participation rate | 61.5% | 63.8%-2.3pp | 72.1%-10.6pp | 68.1%-6.5pp |
| Annual return | 12.39% | -775.43%+787.8pp | 34.15%-21.8pp | 41.64%-29.3pp |
| Employer contribution / active EE | $421 | $1,729-75.6% | $2,476-83.0% | $2,551-83.5% |
| Participant deferral / active EE | $624 | $2,919-78.6% | $3,958-84.2% | $4,139-84.9% |
| Admin fee / account holder | $526 | $5,982-91.2% | $6,033-91.3% | $7,234-92.7% |