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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 | $5,774 | $91,179-93.7% | $178,499-96.8% | $79,852-92.8% |
| Participation rate | 36.8% | 69.2%-32.4pp | 81.9%-45.1pp | 69.6%-32.8pp |
| Annual return | 8.68% | 24.19%-15.5pp | 151.10%-142.4pp | 31.72%-23.0pp |
| Employer contribution / active EE | $523 | $3,256-83.9% | $5,011-89.6% | $2,471-78.8% |
| Participant deferral / active EE | $173 | $3,236-94.6% | $5,202-96.7% | $3,740-95.4% |
| Admin fee / account holder | $1,816 | $6,749-73.1% | $13,986-87.0% | $5,306-65.8% |