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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 | $6,224 | $157,296-96.0% | $141,191-95.6% | $152,897-95.9% |
| Participation rate | 25.0% | 84.8%-59.8pp | 82.5%-57.5pp | 82.5%-57.5pp |
| Annual return | 11.39% | 64.34%-53.0pp | 71.41%-60.0pp | 345.43%-334.0pp |
| Employer contribution / active EE | $2,321 | $5,262-55.9% | $4,736-51.0% | $4,764-51.3% |
| Participant deferral / active EE | $183 | $7,111-97.4% | $6,710-97.3% | $5,851-96.9% |
| Admin fee / account holder | $3,664 | $12,125-69.8% | $10,264-64.3% | $11,599-68.4% |