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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 | $8,134 | $48,314-83.2% | $67,561-88.0% | $80,925-89.9% |
| Participation rate | 62.5% | 66.4%-3.9pp | 72.9%-10.4pp | 67.7%-5.2pp |
| Annual return | 11.10% | 18.28%-7.2pp | 3525.44%-3514.3pp | 35.65%-24.5pp |
| Employer contribution / active EE | $397 | $2,022-80.4% | $2,735-85.5% | $2,756-85.6% |
| Participant deferral / active EE | $575 | $2,927-80.3% | $4,003-85.6% | $4,299-86.6% |
| Admin fee / account holder | $1,152 | $3,690-68.8% | $4,006-71.2% | $6,940-83.4% |