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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 | $4,596 | $48,432-90.5% | $121,204-96.2% | $71,511-93.6% |
| Participation rate | 49.1% | 54.3%-5.3pp | 69.5%-20.5pp | 67.9%-18.9pp |
| Annual return | 13.00% | 23.28%-10.3pp | 987.18%-974.2pp | 28.86%-15.9pp |
| Employer contribution / active EE | $407 | $1,493-72.8% | $4,170-90.2% | $2,589-84.3% |
| Participant deferral / active EE | $572 | $2,756-79.2% | $4,083-86.0% | $4,291-86.7% |
| Admin fee / account holder | $507 | $1,845-72.5% | $5,651-91.0% | $1,588-68.1% |