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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 | $5,471 | $102,422-94.7% | $147,117-96.3% | $80,959-93.2% |
| Participation rate | 69.2% | 75.9%-6.6pp | 82.2%-13.0pp | 67.7%+1.6pp |
| Annual return | 5.76% | 135.16%-129.4pp | 420.54%-414.8pp | 35.67%-29.9pp |
| Employer contribution / active EE | $1,599 | $3,717-57.0% | $4,932-67.6% | $2,757-42.0% |
| Participant deferral / active EE | $466 | $6,652-93.0% | $8,065-94.2% | $4,300-89.2% |
| Admin fee / account holder | $380 | $7,953-95.2% | $12,993-97.1% | $6,925-94.5% |