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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 | $7,683 | $71,215-89.2% | $93,696-91.8% | $80,935-90.5% |
| Participation rate | 53.1% | 60.4%-7.3pp | 68.7%-15.6pp | 67.7%-14.5pp |
| Annual return | 9.00% | 11.27%-2.3pp | 133.74%-124.7pp | 35.66%-26.7pp |
| Employer contribution / active EE | $886 | $1,565-43.4% | $2,422-63.4% | $2,757-67.9% |
| Participant deferral / active EE | $1,063 | $4,037-73.7% | $4,417-75.9% | $4,299-75.3% |
| Admin fee / account holder | $586 | $6,958-91.6% | $8,287-92.9% | $6,924-91.5% |