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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 | $24,360 | $78,423-68.9% | $95,964-74.6% | $79,856-69.5% |
| Participation rate | 43.7% | 73.5%-29.8pp | 77.1%-33.4pp | 69.6%-26.0pp |
| Annual return | 2.33% | 19.37%-17.0pp | 91.64%-89.3pp | 31.71%-29.4pp |
| Employer contribution / active EE | $784 | $1,945-59.7% | $2,541-69.2% | $2,471-68.3% |
| Participant deferral / active EE | $925 | $3,440-73.1% | $4,167-77.8% | $3,741-75.3% |
| Admin fee / account holder | $438 | $5,622-92.2% | $6,797-93.6% | $5,306-91.8% |