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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 | $8,821 | $69,977-87.4% | $108,582-91.9% | $62,881-86.0% |
| Participation rate | 42.3% | 72.9%-30.6pp | 79.6%-37.3pp | 69.3%-27.0pp |
| Annual return | 2.33% | 10.73%-8.4pp | -51.70%+54.0pp | 20.14%-17.8pp |
| Employer contribution / active EE | $459 | $2,135-78.5% | $3,758-87.8% | $2,281-79.9% |
| Participant deferral / active EE | $1,404 | $3,165-55.6% | $4,311-67.4% | $3,203-56.2% |
| Admin fee / account holder | $3,316 | $5,076-34.7% | $7,645-56.6% | $4,296-22.8% |