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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 | $11,080 | $54,717-79.8% | $86,209-87.1% | $71,495-84.5% |
| Participation rate | 17.9% | 60.1%-42.2pp | 69.0%-51.1pp | 67.9%-50.1pp |
| Annual return | 11.83% | 20.07%-8.2pp | 1169.05%-1157.2pp | 28.85%-17.0pp |
| Employer contribution / active EE | $404 | $1,267-68.1% | $2,381-83.0% | $2,589-84.4% |
| Participant deferral / active EE | $850 | $3,110-72.7% | $3,986-78.7% | $4,291-80.2% |
| Admin fee / account holder | $1,652 | $1,922-14.1% | $6,853-75.9% | $1,588+4.0% |