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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 | $1,317 | $45,900-97.1% | $94,057-98.6% | $64,340-98.0% |
| Participation rate | 65.3% | 50.6%+14.7pp | 73.3%-8.1pp | 55.2%+10.0pp |
| Annual return | 8.02% | 50.47%-42.4pp | 480.62%-472.6pp | 24.14%-16.1pp |
| Employer contribution / active EE | $227 | $1,612-85.9% | $2,933-92.3% | $1,862-87.8% |
| Participant deferral / active EE | $429 | $2,102-79.6% | $4,709-90.9% | $2,980-85.6% |
| Admin fee / account holder | $367 | $3,143-88.3% | $7,244-94.9% | $3,703-90.1% |