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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 | $7,153 | $99,875-92.8% | $146,866-95.1% | $86,983-91.8% |
| Participation rate | 45.2% | 75.8%-30.6pp | 82.5%-37.3pp | 69.5%-24.3pp |
| Annual return | 12.82% | 28.10%-15.3pp | 102.85%-90.0pp | 25.83%-13.0pp |
| Employer contribution / active EE | $341 | $3,224-89.4% | $4,425-92.3% | $2,584-86.8% |
| Participant deferral / active EE | $941 | $6,322-85.1% | $7,759-87.9% | $4,194-77.6% |
| Admin fee / account holder | $379 | $7,838-95.2% | $13,620-97.2% | $7,856-95.2% |