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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 | $29,312 | $78,607-62.7% | $105,624-72.2% | $74,478-60.6% |
| Participation rate | 37.0% | 72.8%-35.9pp | 75.3%-38.3pp | 67.2%-30.3pp |
| Annual return | 9.59% | 15.96%-6.4pp | 116.20%-106.6pp | 1370.56%-1361.0pp |
| Employer contribution / active EE | $957 | $2,523-62.1% | $3,168-69.8% | $2,626-63.6% |
| Participant deferral / active EE | $1,784 | $4,325-58.7% | $5,013-64.4% | $4,350-59.0% |
| Admin fee / account holder | $6,218 | $2,220+180.1% | $10,961-43.3% | $1,946+219.6% |