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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 | $4,061 | $45,343-91.0% | $150,298-97.3% | $67,986-94.0% |
| Participation rate | 68.0% | 51.9%+16.1pp | 77.8%-9.8pp | 57.2%+10.8pp |
| Annual return | 10.39% | 33.28%-22.9pp | 62.79%-52.4pp | 31.67%-21.3pp |
| Employer contribution / active EE | $324 | $1,462-77.9% | $4,154-92.2% | $2,019-84.0% |
| Participant deferral / active EE | $453 | $2,055-77.9% | $5,453-91.7% | $3,358-86.5% |
| Admin fee / account holder | $734 | $2,250-67.4% | $14,116-94.8% | $3,203-77.1% |