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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 | $18,349 | $101,672-82.0% | $147,117-87.5% | $74,478-75.4% |
| Participation rate | 43.7% | 75.5%-31.9pp | 82.2%-38.5pp | 67.2%-23.6pp |
| Annual return | 8.88% | 8757.83%-8748.9pp | 420.54%-411.7pp | 1370.56%-1361.7pp |
| Employer contribution / active EE | $986 | $3,813-74.1% | $4,932-80.0% | $2,626-62.4% |
| Participant deferral / active EE | $1,538 | $7,305-78.9% | $8,065-80.9% | $4,350-64.6% |
| Admin fee / account holder | $4,511 | $1,753+157.3% | $12,993-65.3% | $1,946+131.8% |