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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 | $13,582 | $47,944-71.7% | $67,834-80.0% | $62,881-78.4% |
| Participation rate | 32.4% | 61.1%-28.6pp | 68.8%-36.4pp | 69.3%-36.9pp |
| Annual return | 3.36% | 11.77%-8.4pp | 138.47%-135.1pp | 20.14%-16.8pp |
| Employer contribution / active EE | $473 | $1,562-69.7% | $2,403-80.3% | $2,281-79.3% |
| Participant deferral / active EE | $632 | $2,247-71.9% | $3,160-80.0% | $3,203-80.3% |
| Admin fee / account holder | $323 | $3,712-91.3% | $4,622-93.0% | $4,296-92.5% |