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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 | $22,654 | $78,707-71.2% | $117,861-80.8% | $70,126-67.7% |
| Participation rate | 69.8% | 73.2%-3.4pp | 79.7%-9.9pp | 69.5%+0.3pp |
| Annual return | 8.90% | 23.30%-14.4pp | 335.11%-326.2pp | 73.15%-64.3pp |
| Employer contribution / active EE | $3,082 | $2,223+38.6% | $3,786-18.6% | $2,343+31.6% |
| Participant deferral / active EE | $320 | $3,297-90.3% | $4,482-92.9% | $3,332-90.4% |
| Admin fee / account holder | $865 | $5,066-82.9% | $8,021-89.2% | $4,645-81.4% |