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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 | $2,699 | $60,261-95.5% | $81,783-96.7% | $74,546-96.4% |
| Participation rate | 63.0% | 62.9%+0.2pp | 72.4%-9.3pp | 67.2%-4.2pp |
| Annual return | 8.73% | 16.88%-8.2pp | 775.05%-766.3pp | 1366.03%-1357.3pp |
| Employer contribution / active EE | $409 | $2,622-84.4% | $2,913-86.0% | $2,624-84.4% |
| Participant deferral / active EE | $615 | $3,388-81.8% | $4,320-85.8% | $4,347-85.9% |
| Admin fee / account holder | $422 | $1,482-71.5% | $7,380-94.3% | $1,944-78.3% |