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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 | $10,501 | $95,406-89.0% | $185,849-94.3% | $85,847-87.8% |
| Participation rate | 53.8% | 68.8%-14.9pp | 81.7%-27.9pp | 69.3%-15.5pp |
| Annual return | 10.75% | 23.59%-12.8pp | 122.10%-111.3pp | 318.61%-307.9pp |
| Employer contribution / active EE | $519 | $3,314-84.3% | $5,169-90.0% | $2,565-79.8% |
| Participant deferral / active EE | $891 | $3,424-74.0% | $5,569-84.0% | $3,952-77.5% |
| Admin fee / account holder | $493 | $7,214-93.2% | $16,244-97.0% | $6,261-92.1% |