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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 | $15,594 | $112,131-86.1% | $95,964-83.8% | $158,982-90.2% |
| Participation rate | 46.2% | 79.0%-32.8pp | 77.1%-30.9pp | 82.0%-35.8pp |
| Annual return | 2.86% | 171.19%-168.3pp | 91.64%-88.8pp | 302.99%-300.1pp |
| Employer contribution / active EE | $789 | $3,199-75.3% | $2,541-69.0% | $4,763-83.4% |
| Participant deferral / active EE | $814 | $4,784-83.0% | $4,167-80.5% | $5,983-86.4% |
| Admin fee / account holder | $594 | $10,136-94.1% | $6,797-91.3% | $11,252-94.7% |