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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 | $19,723 | $98,776-80.0% | $149,745-86.8% | $79,856-75.3% |
| Participation rate | 56.0% | 75.8%-19.8pp | 82.5%-26.5pp | 69.6%-13.6pp |
| Annual return | 9.19% | 27.38%-18.2pp | 276.72%-267.5pp | 31.71%-22.5pp |
| Employer contribution / active EE | $612 | $3,217-81.0% | $4,646-86.8% | $2,471-75.3% |
| Participant deferral / active EE | $1,801 | $5,681-68.3% | $6,843-73.7% | $3,741-51.9% |
| Admin fee / account holder | $1,397 | $6,053-76.9% | $9,312-85.0% | $5,306-73.7% |