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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 | $14,645 | $89,370-83.6% | $141,197-89.6% | $72,976-79.9% |
| Participation rate | 30.6% | 75.1%-44.6pp | 82.5%-51.9pp | 69.5%-38.9pp |
| Annual return | 9.97% | 111.88%-101.9pp | 71.41%-61.4pp | 81.02%-71.0pp |
| Employer contribution / active EE | $635 | $3,115-79.6% | $4,736-86.6% | $2,440-74.0% |
| Participant deferral / active EE | $1,773 | $5,419-67.3% | $6,710-73.6% | $3,608-50.9% |
| Admin fee / account holder | $1,108 | $5,957-81.4% | $10,265-89.2% | $5,124-78.4% |