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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 | $17,173 | $54,193-68.3% | $93,669-81.7% | $77,714-77.9% |
| Participation rate | 17.8% | 63.9%-46.1pp | 68.7%-50.9pp | 70.6%-52.8pp |
| Annual return | 8.91% | 30.54%-21.6pp | 133.59%-124.7pp | 31.26%-22.3pp |
| Employer contribution / active EE | $295 | $1,168-74.7% | $2,424-87.8% | $2,727-89.2% |
| Participant deferral / active EE | $976 | $3,144-69.0% | $4,416-77.9% | $4,649-79.0% |
| Admin fee / account holder | $1,860 | $576+223.2% | $8,291-77.6% | $433+329.3% |