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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 | $8,963 | $48,050-81.3% | $96,754-90.7% | $64,340-86.1% |
| Participation rate | 55.0% | 40.6%+14.4pp | 70.3%-15.3pp | 55.2%-0.2pp |
| Annual return | 10.19% | 23.41%-13.2pp | 82.04%-71.8pp | 24.14%-14.0pp |
| Employer contribution / active EE | $117 | $1,204-90.3% | $2,679-95.6% | $1,862-93.7% |
| Participant deferral / active EE | $301 | $2,191-86.2% | $4,758-93.7% | $2,980-89.9% |
| Admin fee / account holder | $512 | $3,741-86.3% | $8,905-94.2% | $3,703-86.2% |