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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 | $102,393-78.7% | $147,041-85.2% | $80,911-73.1% |
| Participation rate | 24.2% | 75.9%-51.7pp | 82.2%-58.0pp | 67.6%-43.5pp |
| Annual return | 7.98% | 134.95%-127.0pp | 419.21%-411.2pp | 35.63%-27.6pp |
| Employer contribution / active EE | $1,222 | $3,715-67.1% | $4,935-75.2% | $2,756-55.7% |
| Participant deferral / active EE | $1,395 | $6,647-79.0% | $8,071-82.7% | $4,297-67.5% |
| Admin fee / account holder | $1,883 | $7,943-76.3% | $13,006-85.5% | $6,935-72.8% |