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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 | $8,615 | $98,776-91.3% | $149,745-94.2% | $79,856-89.2% |
| Participation rate | 52.6% | 75.8%-23.2pp | 82.5%-29.9pp | 69.6%-17.0pp |
| Annual return | 11.00% | 27.38%-16.4pp | 276.72%-265.7pp | 31.71%-20.7pp |
| Employer contribution / active EE | $1,389 | $3,217-56.8% | $4,646-70.1% | $2,471-43.8% |
| Participant deferral / active EE | $2,300 | $5,681-59.5% | $6,843-66.4% | $3,741-38.5% |
| Admin fee / account holder | $5,289 | $6,053-12.6% | $9,312-43.2% | $5,306-0.3% |