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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 | $5,934 | $108,922-94.6% | $100,398-94.1% | $145,978-95.9% |
| Participation rate | 61.5% | 83.0%-21.4pp | 81.5%-20.0pp | 80.3%-18.8pp |
| Annual return | 10.01% | 58.04%-48.0pp | 49.32%-39.3pp | 550.52%-540.5pp |
| Employer contribution / active EE | $1,029 | $4,426-76.8% | $3,946-73.9% | $4,662-77.9% |
| Participant deferral / active EE | $1,413 | $8,450-83.3% | $8,084-82.5% | $6,690-78.9% |
| Admin fee / account holder | $2,258 | $9,680-76.7% | $7,893-71.4% | $13,400-83.2% |