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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 | $11,583 | $78,682-85.3% | $109,188-89.4% | $85,851-86.5% |
| Participation rate | 57.1% | 68.3%-11.1pp | 75.9%-18.7pp | 69.3%-12.2pp |
| Annual return | 8.69% | 25.09%-16.4pp | 25.76%-17.1pp | 318.63%-309.9pp |
| Employer contribution / active EE | $2,500 | $2,734-8.6% | $3,723-32.9% | $2,565-2.6% |
| Participant deferral / active EE | $512 | $3,468-85.2% | $4,654-89.0% | $3,952-87.0% |
| Admin fee / account holder | $1,626 | $5,470-70.3% | $6,755-75.9% | $6,261-74.0% |