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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 | $2,823 | $72,465-96.1% | $67,575-95.8% | $145,884-98.1% |
| Participation rate | 63.6% | 76.9%-13.2pp | 72.9%-9.3pp | 80.3%-16.7pp |
| Annual return | 8.88% | 7222.56%-7213.7pp | 3528.98%-3520.1pp | 551.85%-543.0pp |
| Employer contribution / active EE | $662 | $3,074-78.5% | $2,736-75.8% | $4,662-85.8% |
| Participant deferral / active EE | $815 | $4,786-83.0% | $4,003-79.7% | $6,690-87.8% |
| Admin fee / account holder | $1,386 | $5,515-74.9% | $3,993-65.3% | $13,392-89.7% |