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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 | $6,270 | $85,171-92.6% | $172,752-96.4% | $72,975-91.4% |
| Participation rate | 39.5% | 70.1%-30.5pp | 82.6%-43.1pp | 69.5%-30.0pp |
| Annual return | 4.38% | 27.32%-22.9pp | 802.97%-798.6pp | 81.01%-76.6pp |
| Employer contribution / active EE | $567 | $3,324-82.9% | $5,144-89.0% | $2,440-76.8% |
| Participant deferral / active EE | $215 | $3,260-93.4% | $5,198-95.9% | $3,608-94.0% |
| Admin fee / account holder | $929 | $5,880-84.2% | $13,955-93.3% | $5,124-81.9% |