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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 | $7,100 | $77,908-90.9% | $149,696-95.3% | $75,173-90.6% |
| Participation rate | 50.0% | 65.6%-15.6pp | 78.8%-28.8pp | 67.2%-17.2pp |
| Annual return | 6.20% | 31.73%-25.5pp | 134.46%-128.3pp | 160.72%-154.5pp |
| Employer contribution / active EE | $905 | $3,138-71.2% | $4,821-81.2% | $2,671-66.1% |
| Participant deferral / active EE | $402 | $3,411-88.2% | $5,682-92.9% | $4,126-90.3% |
| Admin fee / account holder | $1,407 | $5,950-76.4% | $13,212-89.4% | $5,651-75.1% |