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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 | $3,212 | $58,726-94.5% | $92,239-96.5% | $62,293-94.8% |
| Participation rate | 62.6% | 68.3%-5.7pp | 76.5%-13.9pp | 69.5%-6.9pp |
| Annual return | 9.32% | 43.62%-34.3pp | 176.29%-167.0pp | 28.90%-19.6pp |
| Employer contribution / active EE | $765 | $2,392-68.0% | $3,680-79.2% | $2,042-62.5% |
| Participant deferral / active EE | $263 | $2,766-90.5% | $3,897-93.2% | $3,169-91.7% |
| Admin fee / account holder | $1,047 | $556+88.1% | $5,194-79.9% | $479+118.3% |