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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 | $11,174 | $76,551-85.4% | $123,894-91.0% | $62,881-82.2% |
| Participation rate | 67.5% | 73.0%-5.4pp | 81.4%-13.9pp | 69.3%-1.8pp |
| Annual return | 4.32% | 18.68%-14.4pp | 47.52%-43.2pp | 20.14%-15.8pp |
| Employer contribution / active EE | $530 | $2,882-81.6% | $4,617-88.5% | $2,281-76.7% |
| Participant deferral / active EE | $837 | $4,840-82.7% | $5,984-86.0% | $3,203-73.9% |
| Admin fee / account holder | $314 | $4,826-93.5% | $8,357-96.2% | $4,296-92.7% |