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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 | $14,091 | $160,040-91.2% | $147,096-90.4% | $145,877-90.3% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 5.74% | 98.49%-92.8pp | 419.75%-414.0pp | 551.28%-545.5pp |
| Employer contribution / active EE | $1,422 | $5,289-73.1% | $4,936-71.2% | $4,663-69.5% |
| Participant deferral / active EE | $2,462 | $8,429-70.8% | $8,071-69.5% | $6,691-63.2% |
| Admin fee / account holder | $26,192 | $15,050+74.0% | $13,005+101.4% | $13,402+95.4% |