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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 | $29,967 | $83,898-64.3% | $133,346-77.5% | $94,015-68.1% |
| Participation rate | 40.7% | 63.4%-22.6pp | 72.8%-32.1pp | 70.8%-30.1pp |
| Annual return | 4.62% | 16.00%-11.4pp | 36.85%-32.2pp | 17.84%-13.2pp |
| Employer contribution / active EE | $437 | $1,821-76.0% | $2,853-84.7% | $2,790-84.3% |
| Participant deferral / active EE | $875 | $3,245-73.0% | $4,332-79.8% | $4,249-79.4% |
| Admin fee / account holder | $695 | $7,809-91.1% | $14,264-95.1% | $8,951-92.2% |