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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 | $4,288 | $57,119-92.5% | $85,187-95.0% | $80,935-94.7% |
| Participation rate | 21.2% | 56.4%-35.2pp | 67.5%-46.3pp | 67.7%-46.4pp |
| Annual return | 10.26% | 21.70%-11.4pp | 66.67%-56.4pp | 35.66%-25.4pp |
| Employer contribution / active EE | $354 | $1,802-80.3% | $2,732-87.0% | $2,757-87.1% |
| Participant deferral / active EE | $378 | $3,115-87.9% | $4,525-91.7% | $4,299-91.2% |
| Admin fee / account holder | $675 | $4,990-86.5% | $6,162-89.0% | $6,924-90.3% |