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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 | $17,160 | $59,467-71.1% | $93,727-81.7% | $74,478-77.0% |
| Participation rate | 22.6% | 59.6%-37.0pp | 68.7%-46.1pp | 67.2%-44.6pp |
| Annual return | 10.07% | 82.14%-72.1pp | 133.83%-123.8pp | 1370.56%-1360.5pp |
| Employer contribution / active EE | $328 | $1,267-74.1% | $2,421-86.5% | $2,626-87.5% |
| Participant deferral / active EE | $830 | $3,052-72.8% | $4,417-81.2% | $4,350-80.9% |
| Admin fee / account holder | $503 | $3,028-83.4% | $8,292-93.9% | $1,946-74.2% |