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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 | $22,086 | $98,766-77.6% | $149,730-85.2% | $79,852-72.3% |
| Participation rate | 30.4% | 75.8%-45.4pp | 82.5%-52.1pp | 69.6%-39.3pp |
| Annual return | 12.32% | 27.43%-15.1pp | 276.70%-264.4pp | 31.72%-19.4pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,941 | $5,681-65.8% | $6,843-71.6% | $3,740-48.1% |
| Admin fee / account holder | $3,309 | $6,052-45.3% | $9,310-64.5% | $5,306-37.6% |