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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 | $12,410 | $47,944-74.1% | $67,834-81.7% | $62,881-80.3% |
| Participation rate | 19.4% | 61.1%-41.7pp | 68.8%-49.4pp | 69.3%-49.9pp |
| Annual return | 3.19% | 11.77%-8.6pp | 138.47%-135.3pp | 20.14%-17.0pp |
| Employer contribution / active EE | $397 | $1,562-74.6% | $2,403-83.5% | $2,281-82.6% |
| Participant deferral / active EE | $651 | $2,247-71.0% | $3,160-79.4% | $3,203-79.7% |
| Admin fee / account holder | $2,608 | $3,712-29.7% | $4,622-43.6% | $4,296-39.3% |