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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 | $5,339 | $73,787-92.8% | $98,716-94.6% | $82,448-93.5% |
| Participation rate | 57.7% | 61.4%-3.7pp | 69.3%-11.6pp | 68.1%-10.4pp |
| Annual return | 11.55% | 18.57%-7.0pp | 31.81%-20.3pp | 41.64%-30.1pp |
| Employer contribution / active EE | $741 | $1,511-51.0% | $2,279-67.5% | $2,551-71.0% |
| Participant deferral / active EE | $798 | $3,081-74.1% | $4,048-80.3% | $4,139-80.7% |
| Admin fee / account holder | $1,261 | $6,500-80.6% | $8,703-85.5% | $7,234-82.6% |