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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 | $22,884 | $83,369-72.6% | $105,223-78.3% | $67,986-66.3% |
| Participation rate | 29.8% | 56.3%-26.4pp | 75.0%-45.2pp | 57.2%-27.4pp |
| Annual return | 5.65% | 24.64%-19.0pp | 180.65%-175.0pp | 31.67%-26.0pp |
| Employer contribution / active EE | $646 | $2,541-74.6% | $3,689-82.5% | $2,019-68.0% |
| Participant deferral / active EE | $216 | $3,295-93.4% | $5,072-95.7% | $3,358-93.6% |
| Admin fee / account holder | $3,819 | $4,073-6.2% | $8,859-56.9% | $3,203+19.2% |