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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 | $11,393 | $91,037-87.5% | $71,671-84.1% | $147,586-92.3% |
| Participation rate | 31.8% | 76.1%-44.3pp | 68.7%-36.9pp | 82.8%-51.0pp |
| Annual return | 8.03% | 20.48%-12.4pp | 20.65%-12.6pp | 578.59%-570.6pp |
| Employer contribution / active EE | $643 | $3,327-80.7% | $2,460-73.8% | $4,876-86.8% |
| Participant deferral / active EE | $643 | $4,498-85.7% | $3,438-81.3% | $5,439-88.2% |
| Admin fee / account holder | $500 | $8,613-94.2% | $5,558-91.0% | $10,886-95.4% |