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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 | $17,131 | $85,766-80.0% | $136,298-87.4% | $70,126-75.6% |
| Participation rate | 64.7% | 74.2%-9.4pp | 81.9%-17.2pp | 69.5%-4.8pp |
| Annual return | 6.79% | 31.46%-24.7pp | 5156.27%-5149.5pp | 73.15%-66.4pp |
| Employer contribution / active EE | $2,905 | $2,966-2.1% | $4,696-38.1% | $2,343+24.0% |
| Participant deferral / active EE | $1,742 | $5,051-65.5% | $6,247-72.1% | $3,332-47.7% |
| Admin fee / account holder | $675 | $5,421-87.5% | $9,244-92.7% | $4,645-85.5% |