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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 | $820 | $73,787-98.9% | $98,716-99.2% | $82,448-99.0% |
| Participation rate | 56.0% | 61.4%-5.4pp | 69.3%-13.3pp | 68.1%-12.1pp |
| Annual return | -3.73% | 18.57%-22.3pp | 31.81%-35.5pp | 41.64%-45.4pp |
| Employer contribution / active EE | $383 | $1,511-74.7% | $2,279-83.2% | $2,551-85.0% |
| Participant deferral / active EE | $400 | $3,081-87.0% | $4,048-90.1% | $4,139-90.3% |
| Admin fee / account holder | $478 | $6,500-92.6% | $8,703-94.5% | $7,234-93.4% |