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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 | $8,569 | $53,128-83.9% | $86,581-90.1% | $70,124-87.8% |
| Participation rate | 65.4% | 65.3%+0.1pp | 73.5%-8.2pp | 69.5%-4.2pp |
| Annual return | 9.37% | 27.66%-18.3pp | 965.06%-955.7pp | 73.14%-63.8pp |
| Employer contribution / active EE | $859 | $2,068-58.5% | $2,840-69.8% | $2,342-63.4% |
| Participant deferral / active EE | $514 | $2,695-80.9% | $3,609-85.8% | $3,332-84.6% |
| Admin fee / account holder | $1,810 | $3,584-49.5% | $4,904-63.1% | $4,645-61.0% |