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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 | $28,091 | $96,731-71.0% | $123,973-77.3% | $86,983-67.7% |
| Participation rate | 40.0% | 70.0%-30.0pp | 76.7%-36.7pp | 69.5%-29.5pp |
| Annual return | 9.84% | 17.33%-7.5pp | 388.13%-378.3pp | 25.83%-16.0pp |
| Employer contribution / active EE | $1,011 | $3,297-69.3% | $4,126-75.5% | $2,584-60.9% |
| Participant deferral / active EE | $1,678 | $4,152-59.6% | $5,247-68.0% | $4,194-60.0% |
| Admin fee / account holder | $21,811 | $8,722+150.1% | $11,799+84.9% | $7,856+177.6% |