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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 | $21,662 | $202,342-89.3% | $172,752-87.5% | $152,897-85.8% |
| Participation rate | 63.6% | 87.1%-23.4pp | 82.6%-19.0pp | 82.5%-18.8pp |
| Annual return | 4.89% | 1029.83%-1024.9pp | 802.97%-798.1pp | 345.43%-340.5pp |
| Employer contribution / active EE | $1,450 | $5,858-75.3% | $5,144-71.8% | $4,764-69.6% |
| Participant deferral / active EE | $1,727 | $5,948-71.0% | $5,198-66.8% | $5,851-70.5% |
| Admin fee / account holder | $2,798 | $17,111-83.6% | $13,955-79.9% | $11,599-75.9% |