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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 | $9,765 | $84,953-88.5% | $163,379-94.0% | $82,637-88.2% |
| Participation rate | 69.4% | 65.9%+3.5pp | 76.8%-7.4pp | 68.1%+1.4pp |
| Annual return | 9.34% | 23.07%-13.7pp | 63.41%-54.1pp | 53.51%-44.2pp |
| Employer contribution / active EE | $872 | $2,183-60.0% | $3,752-76.8% | $2,552-65.8% |
| Participant deferral / active EE | $538 | $4,326-87.6% | $6,282-91.4% | $4,126-87.0% |
| Admin fee / account holder | $2,469 | $7,921-68.8% | $9,818-74.9% | $7,339-66.4% |