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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 | $8,469 | $78,425-89.2% | $95,956-91.2% | $79,858-89.4% |
| Participation rate | 64.4% | 73.5%-9.1pp | 77.1%-12.7pp | 69.6%-5.2pp |
| Annual return | 10.04% | 19.37%-9.3pp | 91.63%-81.6pp | 31.72%-21.7pp |
| Employer contribution / active EE | $1,190 | $1,945-38.8% | $2,541-53.2% | $2,471-51.8% |
| Participant deferral / active EE | $1,411 | $3,440-59.0% | $4,167-66.1% | $3,740-62.3% |
| Admin fee / account holder | $1,324 | $5,622-76.5% | $6,797-80.5% | $5,306-75.0% |