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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 | $9,649 | $70,684-86.3% | $169,390-94.3% | $75,173-87.2% |
| Participation rate | 63.6% | 64.8%-1.2pp | 77.2%-13.5pp | 67.2%-3.6pp |
| Annual return | 10.96% | 36.38%-25.4pp | 406.07%-395.1pp | 160.72%-149.8pp |
| Employer contribution / active EE | $680 | $2,211-69.3% | $4,013-83.1% | $2,671-74.6% |
| Participant deferral / active EE | $371 | $4,310-91.4% | $6,222-94.0% | $4,126-91.0% |
| Admin fee / account holder | $847 | $5,404-84.3% | $9,015-90.6% | $5,651-85.0% |