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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 | $6,682 | $110,379-93.9% | $102,412-93.5% | $145,884-95.4% |
| Participation rate | 64.3% | 77.9%-13.6pp | 74.5%-10.2pp | 80.3%-16.0pp |
| Annual return | 3.53% | 24.84%-21.3pp | 24.94%-21.4pp | 551.85%-548.3pp |
| Employer contribution / active EE | $1,201 | $4,216-71.5% | $3,870-69.0% | $4,662-74.2% |
| Participant deferral / active EE | $1,506 | $5,622-73.2% | $5,060-70.2% | $6,690-77.5% |
| Admin fee / account holder | $2,168 | $9,745-77.8% | $8,388-74.2% | $13,392-83.8% |