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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 | $25,641 | $80,705-68.2% | $115,768-77.9% | $67,986-62.3% |
| Participation rate | 64.3% | 63.0%+1.4pp | 74.4%-10.0pp | 57.2%+7.1pp |
| Annual return | 12.22% | 18.49%-6.3pp | 100.46%-88.2pp | 31.67%-19.4pp |
| Employer contribution / active EE | $635 | $2,046-69.0% | $2,940-78.4% | $2,019-68.6% |
| Participant deferral / active EE | $854 | $3,559-76.0% | $4,917-82.6% | $3,358-74.6% |
| Admin fee / account holder | $581 | $4,135-86.0% | $12,439-95.3% | $3,203-81.9% |