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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 | $101,591-68.7% | $147,096-78.4% | $74,429-57.2% |
| Participation rate | 42.4% | 75.5%-33.1pp | 82.2%-39.8pp | 67.2%-24.8pp |
| Annual return | 12.33% | 8746.45%-8734.1pp | 419.75%-407.4pp | 1368.38%-1356.1pp |
| Employer contribution / active EE | $1,023 | $3,813-73.2% | $4,936-79.3% | $2,625-61.0% |
| Participant deferral / active EE | $2,019 | $7,302-72.3% | $8,071-75.0% | $4,348-53.6% |
| Admin fee / account holder | $8,006 | $1,750+357.5% | $13,005-38.4% | $1,944+311.7% |