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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 | $9,113 | $83,485-89.1% | $125,192-92.7% | $72,975-87.5% |
| Participation rate | 66.2% | 73.3%-7.1pp | 79.8%-13.6pp | 69.5%-3.3pp |
| Annual return | 6.27% | 25.77%-19.5pp | 43.79%-37.5pp | 81.01%-74.7pp |
| Employer contribution / active EE | $725 | $2,346-69.1% | $3,866-81.2% | $2,440-70.3% |
| Participant deferral / active EE | $1,020 | $3,586-71.6% | $4,937-79.3% | $3,608-71.7% |
| Admin fee / account holder | $972 | $5,518-82.4% | $9,704-90.0% | $5,124-81.0% |