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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 | $5,796 | $100,970-94.3% | $96,576-94.0% | $137,256-95.8% |
| Participation rate | 66.7% | 82.6%-15.9pp | 81.4%-14.8pp | 80.0%-13.3pp |
| Annual return | 2.93% | 38.16%-35.2pp | 38.47%-35.5pp | 220.34%-217.4pp |
| Employer contribution / active EE | $684 | $3,809-82.1% | $3,553-80.8% | $4,156-83.5% |
| Participant deferral / active EE | $2,095 | $8,286-74.7% | $7,956-73.7% | $6,407-67.3% |
| Admin fee / account holder | $620 | $11,312-94.5% | $11,381-94.6% | $12,270-94.9% |