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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 | $19,972 | $59,467-66.4% | $93,727-78.7% | $74,478-73.2% |
| Participation rate | 15.2% | 59.6%-44.4pp | 68.7%-53.5pp | 67.2%-52.0pp |
| Annual return | 8.35% | 82.14%-73.8pp | 133.83%-125.5pp | 1370.56%-1362.2pp |
| Employer contribution / active EE | $438 | $1,267-65.4% | $2,421-81.9% | $2,626-83.3% |
| Participant deferral / active EE | $1,166 | $3,052-61.8% | $4,417-73.6% | $4,350-73.2% |
| Admin fee / account holder | $3,629 | $3,028+19.8% | $8,292-56.2% | $1,946+86.5% |