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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 | $13,009 | $60,504-78.5% | $81,882-84.1% | $74,478-82.5% |
| Participation rate | 20.3% | 62.9%-42.6pp | 72.4%-52.1pp | 67.2%-46.9pp |
| Annual return | 10.79% | 16.91%-6.1pp | 779.47%-768.7pp | 1370.56%-1359.8pp |
| Employer contribution / active EE | $354 | $2,627-86.5% | $2,916-87.9% | $2,626-86.5% |
| Participant deferral / active EE | $671 | $3,400-80.3% | $4,323-84.5% | $4,350-84.6% |
| Admin fee / account holder | $874 | $1,492-41.4% | $7,360-88.1% | $1,946-55.1% |