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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 | $20,193 | $85,766-76.5% | $136,298-85.2% | $70,126-71.2% |
| Participation rate | 10.7% | 74.2%-63.4pp | 81.9%-71.2pp | 69.5%-58.8pp |
| Annual return | 13.72% | 31.46%-17.7pp | 5156.27%-5142.5pp | 73.15%-59.4pp |
| Employer contribution / active EE | $813 | $2,966-72.6% | $4,696-82.7% | $2,343-65.3% |
| Participant deferral / active EE | $709 | $5,051-86.0% | $6,247-88.7% | $3,332-78.7% |
| Admin fee / account holder | $1,878 | $5,421-65.4% | $9,244-79.7% | $4,645-59.6% |