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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 | $12,848 | $85,171-84.9% | $172,752-92.6% | $72,975-82.4% |
| Participation rate | 67.6% | 70.1%-2.5pp | 82.6%-15.1pp | 69.5%-1.9pp |
| Annual return | 14.80% | 27.32%-12.5pp | 802.97%-788.2pp | 81.01%-66.2pp |
| Employer contribution / active EE | $492 | $3,324-85.2% | $5,144-90.4% | $2,440-79.8% |
| Participant deferral / active EE | $836 | $3,260-74.4% | $5,198-83.9% | $3,608-76.8% |
| Admin fee / account holder | $555 | $5,880-90.6% | $13,955-96.0% | $5,124-89.2% |