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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 | $9,384 | $77,962-88.0% | $178,540-94.7% | $80,935-88.4% |
| Participation rate | 42.9% | 65.7%-22.8pp | 77.1%-34.3pp | 67.7%-24.8pp |
| Annual return | 4.89% | 18.10%-13.2pp | 27.15%-22.3pp | 35.66%-30.8pp |
| Employer contribution / active EE | $510 | $2,280-77.6% | $3,953-87.1% | $2,757-81.5% |
| Participant deferral / active EE | $1,104 | $4,404-74.9% | $6,281-82.4% | $4,299-74.3% |
| Admin fee / account holder | $1,984 | $7,156-72.3% | $10,424-81.0% | $6,924-71.4% |