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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 | $14,237 | $85,766-83.4% | $136,298-89.6% | $70,126-79.7% |
| Participation rate | 39.4% | 74.2%-34.8pp | 81.9%-42.5pp | 69.5%-30.1pp |
| Annual return | 13.08% | 31.46%-18.4pp | 5156.27%-5143.2pp | 73.15%-60.1pp |
| Employer contribution / active EE | $642 | $2,966-78.3% | $4,696-86.3% | $2,343-72.6% |
| Participant deferral / active EE | $1,435 | $5,051-71.6% | $6,247-77.0% | $3,332-56.9% |
| Admin fee / account holder | $4,226 | $5,421-22.0% | $9,244-54.3% | $4,645-9.0% |