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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 | $28,821 | $105,284-72.6% | $150,734-80.9% | $94,015-69.3% |
| Participation rate | 58.9% | 71.7%-12.8pp | 78.4%-19.6pp | 70.8%-11.9pp |
| Annual return | 5.21% | 15.67%-10.5pp | 600.81%-595.6pp | 17.84%-12.6pp |
| Employer contribution / active EE | $4,705 | $3,599+30.8% | $4,918-4.3% | $2,790+68.6% |
| Participant deferral / active EE | $254 | $4,274-94.1% | $5,610-95.5% | $4,249-94.0% |
| Admin fee / account holder | $5,851 | $9,839-40.5% | $14,905-60.7% | $8,951-34.6% |