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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 | $17,237 | $75,058-77.0% | $152,301-88.7% | $64,340-73.2% |
| Participation rate | 27.3% | 60.9%-33.6pp | 82.4%-55.1pp | 55.2%-27.9pp |
| Annual return | 13.79% | 29.93%-16.1pp | 80.50%-66.7pp | 24.14%-10.3pp |
| Employer contribution / active EE | $619 | $2,605-76.3% | $4,624-86.6% | $1,862-66.8% |
| Participant deferral / active EE | $955 | $5,041-81.1% | $8,004-88.1% | $2,980-68.0% |
| Admin fee / account holder | $2,500 | $4,050-38.3% | $14,398-82.6% | $3,703-32.5% |