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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 | $15,808 | $62,146-74.6% | $81,438-80.6% | $74,546-78.8% |
| Participation rate | 58.3% | 64.1%-5.7pp | 69.5%-11.2pp | 67.2%-8.9pp |
| Annual return | 6.29% | 16.49%-10.2pp | 24.74%-18.5pp | 1366.03%-1359.7pp |
| Employer contribution / active EE | $985 | $1,883-47.7% | $2,460-59.9% | $2,624-62.4% |
| Participant deferral / active EE | $1,259 | $3,229-61.0% | $3,883-67.6% | $4,347-71.0% |
| Admin fee / account holder | $3,525 | $1,922+83.4% | $5,764-38.8% | $1,944+81.4% |