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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 | $31,831 | $101,672-68.7% | $147,117-78.4% | $74,478-57.3% |
| Participation rate | 42.4% | 75.5%-33.1pp | 82.2%-39.8pp | 67.2%-24.8pp |
| Annual return | 12.33% | 8757.83%-8745.5pp | 420.54%-408.2pp | 1370.56%-1358.2pp |
| Employer contribution / active EE | $1,023 | $3,813-73.2% | $4,932-79.3% | $2,626-61.0% |
| Participant deferral / active EE | $2,019 | $7,305-72.4% | $8,065-75.0% | $4,350-53.6% |
| Admin fee / account holder | $8,006 | $1,753+356.6% | $12,993-38.4% | $1,946+311.4% |