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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 | $22,855 | $78,707-71.0% | $117,861-80.6% | $70,126-67.4% |
| Participation rate | 54.5% | 73.2%-18.6pp | 79.7%-25.1pp | 69.5%-15.0pp |
| Annual return | 10.57% | 23.30%-12.7pp | 335.11%-324.5pp | 73.15%-62.6pp |
| Employer contribution / active EE | $750 | $2,223-66.3% | $3,786-80.2% | $2,343-68.0% |
| Participant deferral / active EE | $307 | $3,297-90.7% | $4,482-93.1% | $3,332-90.8% |
| Admin fee / account holder | $1,294 | $5,066-74.4% | $8,021-83.9% | $4,645-72.1% |