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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 | $21,403 | $165,399-87.1% | $149,745-85.7% | $158,982-86.5% |
| Participation rate | 63.2% | 84.6%-21.4pp | 82.5%-19.3pp | 82.0%-18.8pp |
| Annual return | 0.59% | 348.34%-347.7pp | 276.72%-276.1pp | 302.99%-302.4pp |
| Employer contribution / active EE | $930 | $5,105-81.8% | $4,646-80.0% | $4,763-80.5% |
| Participant deferral / active EE | $1,965 | $7,183-72.6% | $6,843-71.3% | $5,983-67.2% |
| Admin fee / account holder | $300 | $10,811-97.2% | $9,312-96.8% | $11,252-97.3% |