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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 | $29,121 | $88,137-67.0% | $164,975-82.3% | $74,429-60.9% |
| Participation rate | 30.3% | 73.1%-42.9pp | 78.6%-48.4pp | 67.2%-37.0pp |
| Annual return | 11.47% | 17.13%-5.7pp | 70.12%-58.7pp | 1368.38%-1356.9pp |
| Employer contribution / active EE | $989 | $2,597-61.9% | $4,343-77.2% | $2,625-62.3% |
| Participant deferral / active EE | $1,518 | $4,501-66.3% | $6,033-74.8% | $4,348-65.1% |
| Admin fee / account holder | $2,276 | $2,231+2.0% | $12,688-82.1% | $1,944+17.1% |