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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 | $12,734 | $181,062-93.0% | $158,223-92.0% | $155,188-91.8% |
| Participation rate | 57.1% | 82.7%-25.5pp | 79.2%-22.1pp | 80.8%-23.7pp |
| Annual return | 7.73% | 57.39%-49.7pp | 52.09%-44.4pp | 148.84%-141.1pp |
| Employer contribution / active EE | $2,521 | $4,565-44.8% | $4,109-38.7% | $4,248-40.7% |
| Participant deferral / active EE | $1,676 | $6,134-72.7% | $5,467-69.3% | $6,531-74.3% |
| Admin fee / account holder | $31,778 | $18,825+68.8% | $16,047+98.0% | $14,480+119.5% |