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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 | $14,760 | $62,589-76.4% | $76,768-80.8% | $64,173-77.0% |
| Participation rate | 55.4% | 72.8%-17.4pp | 77.0%-21.6pp | 69.6%-14.2pp |
| Annual return | -10.31% | -1.95%-8.4pp | 2.43%-12.7pp | 7.63%-17.9pp |
| Employer contribution / active EE | $483 | $1,832-73.6% | $2,485-80.6% | $2,381-79.7% |
| Participant deferral / active EE | $955 | $3,145-69.6% | $3,852-75.2% | $3,470-72.5% |
| Admin fee / account holder | $413 | $4,667-91.1% | $6,675-93.8% | $4,887-91.5% |