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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 | $8,922 | $61,787-85.6% | $97,197-90.8% | $80,925-89.0% |
| Participation rate | 21.2% | 63.5%-42.3pp | 72.7%-51.5pp | 67.7%-46.4pp |
| Annual return | 8.09% | -558.16%+566.2pp | 75.47%-67.4pp | 35.65%-27.6pp |
| Employer contribution / active EE | $379 | $1,836-79.4% | $2,723-86.1% | $2,756-86.3% |
| Participant deferral / active EE | $452 | $3,027-85.1% | $4,263-89.4% | $4,299-89.5% |
| Admin fee / account holder | $2,112 | $5,170-59.2% | $5,637-62.5% | $6,940-69.6% |