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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 | $106,524-89.8% | $152,301-92.9% | $87,485-87.6% |
| Participation rate | 68.6% | 75.8%-7.2pp | 82.4%-13.9pp | 68.9%-0.4pp |
| Annual return | 10.83% | 26.89%-16.1pp | 80.50%-69.7pp | 26.06%-15.2pp |
| Employer contribution / active EE | $941 | $3,371-72.1% | $4,624-79.7% | $2,596-63.8% |
| Participant deferral / active EE | $1,873 | $6,525-71.3% | $8,004-76.6% | $4,274-56.2% |
| Admin fee / account holder | $673 | $8,287-91.9% | $14,398-95.3% | $7,775-91.3% |