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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 | $13,860 | $157,296-91.2% | $141,191-90.2% | $152,897-90.9% |
| Participation rate | 50.0% | 84.8%-34.8pp | 82.5%-32.5pp | 82.5%-32.5pp |
| Annual return | 6.48% | 64.34%-57.9pp | 71.41%-64.9pp | 345.43%-338.9pp |
| Employer contribution / active EE | $1,170 | $5,262-77.8% | $4,736-75.3% | $4,764-75.4% |
| Participant deferral / active EE | $2,294 | $7,111-67.7% | $6,710-65.8% | $5,851-60.8% |
| Admin fee / account holder | $9,611 | $12,125-20.7% | $10,264-6.4% | $11,599-17.1% |