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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 | $11,720 | $102,385-88.6% | $147,080-92.0% | $80,935-85.5% |
| Participation rate | 47.3% | 75.9%-28.6pp | 82.2%-34.9pp | 67.7%-20.4pp |
| Annual return | 9.09% | 135.09%-126.0pp | 420.17%-411.1pp | 35.66%-26.6pp |
| Employer contribution / active EE | $1,431 | $3,717-61.5% | $4,933-71.0% | $2,757-48.1% |
| Participant deferral / active EE | $2,100 | $6,651-68.4% | $8,066-74.0% | $4,299-51.1% |
| Admin fee / account holder | $1,469 | $7,951-81.5% | $12,989-88.7% | $6,924-78.8% |