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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 | $3,011 | $57,140-94.7% | $85,240-96.5% | $80,959-96.3% |
| Participation rate | 55.2% | 56.4%-1.2pp | 67.5%-12.4pp | 67.7%-12.5pp |
| Annual return | 9.30% | 21.71%-12.4pp | 66.75%-57.5pp | 35.67%-26.4pp |
| Employer contribution / active EE | $506 | $1,802-71.9% | $2,735-81.5% | $2,757-81.6% |
| Participant deferral / active EE | $605 | $3,115-80.6% | $4,527-86.6% | $4,300-85.9% |
| Admin fee / account holder | $793 | $4,992-84.1% | $6,165-87.1% | $6,925-88.6% |