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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 | $21,245 | $88,360-76.0% | $145,433-85.4% | $67,986-68.8% |
| Participation rate | 43.2% | 65.5%-22.3pp | 82.1%-39.0pp | 57.2%-14.1pp |
| Annual return | 13.14% | 63.15%-50.0pp | 66.58%-53.4pp | 31.67%-18.5pp |
| Employer contribution / active EE | $904 | $3,054-70.4% | $4,554-80.1% | $2,019-55.2% |
| Participant deferral / active EE | $1,491 | $5,932-74.9% | $7,897-81.1% | $3,358-55.6% |
| Admin fee / account holder | $4,540 | $3,313+37.0% | $13,129-65.4% | $3,203+41.7% |