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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 | $20,435 | $73,397-72.2% | $178,014-88.5% | $74,546-72.6% |
| Participation rate | 36.8% | 66.6%-29.8pp | 77.1%-40.3pp | 67.2%-30.4pp |
| Annual return | 9.39% | 17.49%-8.1pp | 294.80%-285.4pp | 1366.03%-1356.6pp |
| Employer contribution / active EE | $804 | $2,217-63.7% | $3,950-79.6% | $2,624-69.4% |
| Participant deferral / active EE | $1,144 | $4,512-74.6% | $6,276-81.8% | $4,347-73.7% |
| Admin fee / account holder | $739 | $1,809-59.1% | $10,362-92.9% | $1,944-62.0% |