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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 | $19,253 | $201,372-90.4% | $184,260-89.6% | $145,884-86.8% |
| Participation rate | 58.3% | 87.5%-29.2pp | 86.8%-28.5pp | 80.3%-22.0pp |
| Annual return | 6.01% | 29.04%-23.0pp | 28.84%-22.8pp | 551.85%-545.8pp |
| Employer contribution / active EE | $1,498 | $7,024-78.7% | $6,427-76.7% | $4,662-67.9% |
| Participant deferral / active EE | $1,839 | $9,808-81.3% | $9,133-79.9% | $6,690-72.5% |
| Admin fee / account holder | $597 | $16,362-96.4% | $13,898-95.7% | $13,392-95.5% |