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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 | $17,787 | $201,370-91.2% | $184,256-90.3% | $145,897-87.8% |
| Participation rate | 42.9% | 87.5%-44.6pp | 86.8%-44.0pp | 80.3%-37.4pp |
| Annual return | -0.03% | 29.05%-29.1pp | 28.85%-28.9pp | 552.29%-552.3pp |
| Employer contribution / active EE | $1,731 | $7,024-75.4% | $6,427-73.1% | $4,663-62.9% |
| Participant deferral / active EE | $1,755 | $9,808-82.1% | $9,133-80.8% | $6,689-73.8% |
| Admin fee / account holder | $3,634 | $16,364-77.8% | $13,899-73.9% | $13,390-72.9% |