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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 | $13,510 | $90,400-85.1% | $186,193-92.7% | $87,485-84.6% |
| Participation rate | 60.0% | 66.2%-6.2pp | 77.1%-17.1pp | 68.9%-8.9pp |
| Annual return | 11.47% | 22.15%-10.7pp | 78.03%-66.6pp | 26.06%-14.6pp |
| Employer contribution / active EE | $999 | $2,170-54.0% | $3,918-74.5% | $2,596-61.5% |
| Participant deferral / active EE | $1,018 | $4,330-76.5% | $6,513-84.4% | $4,274-76.2% |
| Admin fee / account holder | $735 | $8,673-91.5% | $11,058-93.4% | $7,775-90.5% |