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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 | $11,256 | $48,364-76.7% | $71,796-84.3% | $62,881-82.1% |
| Participation rate | 22.8% | 60.6%-37.8pp | 69.1%-46.3pp | 69.3%-46.5pp |
| Annual return | 4.67% | 13.16%-8.5pp | 78.04%-73.4pp | 20.14%-15.5pp |
| Employer contribution / active EE | $208 | $1,042-80.0% | $1,924-89.2% | $2,281-90.9% |
| Participant deferral / active EE | $688 | $2,091-67.1% | $2,794-75.4% | $3,203-78.5% |
| Admin fee / account holder | $464 | $3,771-87.7% | $4,815-90.4% | $4,296-89.2% |