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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 | $13,535 | $45,109-70.0% | $85,240-84.1% | $77,762-82.6% |
| Participation rate | 6.9% | 48.7%-41.8pp | 67.5%-60.6pp | 70.6%-63.7pp |
| Annual return | 9.47% | 79.55%-70.1pp | 66.75%-57.3pp | 31.27%-21.8pp |
| Employer contribution / active EE | $237 | $1,602-85.2% | $2,735-91.3% | $2,728-91.3% |
| Participant deferral / active EE | $359 | $2,814-87.2% | $4,527-92.1% | $4,651-92.3% |
| Admin fee / account holder | $3,016 | $915+229.6% | $6,165-51.1% | $433+596.7% |