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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 | $16,950 | $88,360-80.8% | $145,433-88.3% | $67,986-75.1% |
| Participation rate | 36.1% | 65.5%-29.4pp | 82.1%-46.0pp | 57.2%-21.1pp |
| Annual return | 12.96% | 63.15%-50.2pp | 66.58%-53.6pp | 31.67%-18.7pp |
| Employer contribution / active EE | $405 | $3,054-86.8% | $4,554-91.1% | $2,019-80.0% |
| Participant deferral / active EE | $1,079 | $5,932-81.8% | $7,897-86.3% | $3,358-67.9% |
| Admin fee / account holder | $1,224 | $3,313-63.0% | $13,129-90.7% | $3,203-61.8% |