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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 | $13,846 | $148,623-90.7% | $135,974-89.8% | $139,466-90.1% |
| Participation rate | 60.0% | 83.9%-23.9pp | 81.9%-21.9pp | 80.3%-20.3pp |
| Annual return | 9.55% | 79.30%-69.7pp | 68.30%-58.8pp | 373.66%-364.1pp |
| Employer contribution / active EE | $1,059 | $5,246-79.8% | $4,859-78.2% | $4,754-77.7% |
| Participant deferral / active EE | $1,671 | $8,103-79.4% | $7,760-78.5% | $6,712-75.1% |
| Admin fee / account holder | $356 | $12,406-97.1% | $10,767-96.7% | $11,409-96.9% |