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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 | $19,325 | $107,421-82.0% | $182,262-89.4% | $94,015-79.4% |
| Participation rate | 52.0% | 77.8%-25.8pp | 84.2%-32.2pp | 70.8%-18.8pp |
| Annual return | 9.60% | 21.32%-11.7pp | 140.60%-131.0pp | 17.84%-8.2pp |
| Employer contribution / active EE | $1,682 | $3,448-51.2% | $5,046-66.7% | $2,790-39.7% |
| Participant deferral / active EE | $2,142 | $6,558-67.3% | $8,276-74.1% | $4,249-49.6% |
| Admin fee / account holder | $495 | $8,692-94.3% | $16,712-97.0% | $8,951-94.5% |