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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 | $21,401 | $70,430-69.6% | $96,572-77.8% | $85,851-75.1% |
| Participation rate | 60.0% | 61.8%-1.8pp | 69.8%-9.8pp | 69.3%-9.3pp |
| Annual return | 10.77% | 18.58%-7.8pp | 37.79%-27.0pp | 318.63%-307.9pp |
| Employer contribution / active EE | $275 | $1,413-80.5% | $2,357-88.3% | $2,565-89.3% |
| Participant deferral / active EE | $996 | $2,894-65.6% | $3,850-74.1% | $3,952-74.8% |
| Admin fee / account holder | $1,439 | $4,996-71.2% | $6,183-76.7% | $6,261-77.0% |