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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 | $18,659 | $62,409-70.1% | $120,574-84.5% | $74,459-74.9% |
| Participation rate | 25.4% | 56.8%-31.4pp | 71.9%-46.6pp | 67.2%-41.8pp |
| Annual return | 9.24% | 18.62%-9.4pp | 107.42%-98.2pp | 1369.70%-1360.5pp |
| Employer contribution / active EE | $527 | $1,847-71.5% | $3,471-84.8% | $2,626-79.9% |
| Participant deferral / active EE | $841 | $2,888-70.9% | $4,996-83.2% | $4,350-80.7% |
| Admin fee / account holder | $663 | $2,394-72.3% | $9,445-93.0% | $1,945-65.9% |