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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 | $54,245-68.3% | $93,727-81.7% | $77,762-77.9% |
| Participation rate | 17.8% | 63.9%-46.1pp | 68.7%-50.9pp | 70.6%-52.8pp |
| Annual return | 8.91% | 30.58%-21.7pp | 133.83%-124.9pp | 31.27%-22.4pp |
| Employer contribution / active EE | $295 | $1,168-74.7% | $2,421-87.8% | $2,728-89.2% |
| Participant deferral / active EE | $976 | $3,144-69.0% | $4,417-77.9% | $4,651-79.0% |
| Admin fee / account holder | $1,860 | $575+223.2% | $8,292-77.6% | $433+329.7% |