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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 | $2,854 | $51,642-94.5% | $129,384-97.8% | $80,935-96.5% |
| Participation rate | 65.9% | 56.9%+8.9pp | 69.6%-3.8pp | 67.7%-1.8pp |
| Annual return | 11.01% | 20.78%-9.8pp | 9461.77%-9450.8pp | 35.66%-24.6pp |
| Employer contribution / active EE | $479 | $1,583-69.8% | $4,153-88.5% | $2,757-82.6% |
| Participant deferral / active EE | $579 | $2,670-78.3% | $4,166-86.1% | $4,299-86.5% |
| Admin fee / account holder | $487 | $4,312-88.7% | $7,686-93.7% | $6,924-93.0% |