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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 | $948 | $49,024-98.1% | $112,860-99.2% | $87,485-98.9% |
| Participation rate | 37.9% | 62.2%-24.2pp | 66.3%-28.4pp | 68.9%-31.0pp |
| Annual return | 4.10% | 43.86%-39.8pp | 35.26%-31.2pp | 26.06%-22.0pp |
| Employer contribution / active EE | $0 | $1,290-100.0% | $2,206-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $358 | $2,209-83.8% | $3,493-89.8% | $4,274-91.6% |
| Admin fee / account holder | $390 | $6,266-93.8% | $6,841-94.3% | $7,775-95.0% |