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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 | $6,420 | $93,617-93.1% | $135,982-95.3% | $75,177-91.5% |
| Participation rate | 42.9% | 75.2%-32.3pp | 81.9%-39.1pp | 67.2%-24.3pp |
| Annual return | 13.92% | 30.89%-17.0pp | 68.32%-54.4pp | 160.75%-146.8pp |
| Employer contribution / active EE | $2,019 | $3,538-42.9% | $4,859-58.5% | $2,671-24.4% |
| Participant deferral / active EE | $732 | $6,406-88.6% | $7,760-90.6% | $4,126-82.3% |
| Admin fee / account holder | $1,117 | $6,980-84.0% | $10,767-89.6% | $5,651-80.2% |