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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 | $88,203-67.0% | $165,100-82.4% | $74,478-60.9% |
| Participation rate | 30.3% | 73.1%-42.9pp | 78.6%-48.4pp | 67.2%-37.0pp |
| Annual return | 11.47% | 17.13%-5.7pp | 70.21%-58.7pp | 1370.56%-1359.1pp |
| Employer contribution / active EE | $989 | $2,601-62.0% | $4,348-77.3% | $2,626-62.3% |
| Participant deferral / active EE | $1,518 | $4,505-66.3% | $6,035-74.9% | $4,350-65.1% |
| Admin fee / account holder | $2,276 | $2,235+1.9% | $12,696-82.1% | $1,946+17.0% |