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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 | $13,322 | $63,346-79.0% | $92,240-85.6% | $70,126-81.0% |
| Participation rate | 55.3% | 68.7%-13.4pp | 76.5%-21.2pp | 69.5%-14.2pp |
| Annual return | 12.00% | 530.19%-518.2pp | 176.29%-164.3pp | 73.15%-61.2pp |
| Employer contribution / active EE | $2,491 | $2,471+0.8% | $3,680-32.3% | $2,343+6.3% |
| Participant deferral / active EE | $63 | $2,854-97.8% | $3,897-98.4% | $3,332-98.1% |
| Admin fee / account holder | $565 | $3,841-85.3% | $5,194-89.1% | $4,645-87.8% |