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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 | $21,776 | $102,422-78.7% | $147,117-85.2% | $80,959-73.1% |
| Participation rate | 24.2% | 75.9%-51.7pp | 82.2%-58.0pp | 67.7%-43.5pp |
| Annual return | 7.98% | 135.16%-127.2pp | 420.54%-412.6pp | 35.67%-27.7pp |
| Employer contribution / active EE | $1,222 | $3,717-67.1% | $4,932-75.2% | $2,757-55.7% |
| Participant deferral / active EE | $1,395 | $6,652-79.0% | $8,065-82.7% | $4,300-67.6% |
| Admin fee / account holder | $1,883 | $7,953-76.3% | $12,993-85.5% | $6,925-72.8% |