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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 | $14,310 | $185,312-92.3% | $161,489-91.1% | $154,746-90.8% |
| Participation rate | 40.0% | 82.5%-42.5pp | 78.7%-38.7pp | 80.7%-40.7pp |
| Annual return | 0.37% | 103.84%-103.5pp | 89.72%-89.3pp | 172.34%-172.0pp |
| Employer contribution / active EE | $1,302 | $4,769-72.7% | $4,268-69.5% | $4,379-70.3% |
| Participant deferral / active EE | $1,526 | $6,350-76.0% | $5,630-72.9% | $6,730-77.3% |
| Admin fee / account holder | $1,132 | $18,654-93.9% | $16,006-92.9% | $14,365-92.1% |