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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 | $10,868 | $106,749-89.8% | $145,433-92.5% | $82,448-86.8% |
| Participation rate | 68.6% | 75.6%-7.1pp | 82.1%-13.5pp | 68.1%+0.5pp |
| Annual return | 10.83% | 27.59%-16.8pp | 66.58%-55.7pp | 41.64%-30.8pp |
| Employer contribution / active EE | $941 | $3,444-72.7% | $4,554-79.3% | $2,551-63.1% |
| Participant deferral / active EE | $1,873 | $6,519-71.3% | $7,897-76.3% | $4,139-54.8% |
| Admin fee / account holder | $673 | $8,390-92.0% | $13,129-94.9% | $7,234-90.7% |