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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 | $3,100 | $76,407-95.9% | $150,298-97.9% | $82,448-96.2% |
| Participation rate | 23.8% | 66.4%-42.6pp | 77.8%-54.0pp | 68.1%-44.3pp |
| Annual return | 10.36% | 39.99%-29.6pp | 62.79%-52.4pp | 41.64%-31.3pp |
| Employer contribution / active EE | $328 | $2,614-87.5% | $4,154-92.1% | $2,551-87.1% |
| Participant deferral / active EE | $429 | $3,214-86.7% | $5,453-92.1% | $4,139-89.6% |
| Admin fee / account holder | $901 | $6,352-85.8% | $14,116-93.6% | $7,234-87.5% |