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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 | $17,205 | $102,385-83.2% | $147,080-88.3% | $80,935-78.7% |
| Participation rate | 38.7% | 75.9%-37.2pp | 82.2%-43.5pp | 67.7%-29.0pp |
| Annual return | 11.25% | 135.09%-123.8pp | 420.17%-408.9pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,162 | $3,717-68.7% | $4,933-76.4% | $2,757-57.9% |
| Participant deferral / active EE | $2,266 | $6,651-65.9% | $8,066-71.9% | $4,299-47.3% |
| Admin fee / account holder | $5,631 | $7,951-29.2% | $12,989-56.6% | $6,924-18.7% |