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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 | $13,178 | $166,268-92.1% | $165,100-92.0% | $145,897-91.0% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 6.10% | 100.52%-94.4pp | 70.21%-64.1pp | 552.29%-546.2pp |
| Employer contribution / active EE | $1,634 | $5,284-69.1% | $4,348-62.4% | $4,663-65.0% |
| Participant deferral / active EE | $1,865 | $6,964-73.2% | $6,035-69.1% | $6,689-72.1% |
| Admin fee / account holder | $2,678 | $16,659-83.9% | $12,696-78.9% | $13,390-80.0% |