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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 | $14,850 | $85,766-82.7% | $136,298-89.1% | $70,126-78.8% |
| Participation rate | 53.7% | 74.2%-20.5pp | 81.9%-28.3pp | 69.5%-15.9pp |
| Annual return | 13.84% | 31.46%-17.6pp | 5156.27%-5142.4pp | 73.15%-59.3pp |
| Employer contribution / active EE | $792 | $2,966-73.3% | $4,696-83.1% | $2,343-66.2% |
| Participant deferral / active EE | $1,373 | $5,051-72.8% | $6,247-78.0% | $3,332-58.8% |
| Admin fee / account holder | $4,627 | $5,421-14.6% | $9,244-49.9% | $4,645-0.4% |