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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 | $13,797 | $80,983-83.0% | $96,544-85.7% | $75,177-81.6% |
| Participation rate | 66.7% | 71.8%-5.1pp | 76.0%-9.3pp | 67.2%-0.5pp |
| Annual return | 10.02% | 27.05%-17.0pp | 25.88%-15.9pp | 160.75%-150.7pp |
| Employer contribution / active EE | $746 | $2,282-67.3% | $2,966-74.9% | $2,671-72.1% |
| Participant deferral / active EE | $998 | $3,929-74.6% | $4,851-79.4% | $4,126-75.8% |
| Admin fee / account holder | $11,472 | $6,717+70.8% | $8,254+39.0% | $5,651+103.0% |