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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 | $22,287 | $86,298-74.2% | $111,308-80.0% | $85,847-74.0% |
| Participation rate | 34.6% | 73.3%-38.7pp | 77.3%-42.7pp | 69.3%-34.7pp |
| Annual return | 8.59% | 19.99%-11.4pp | 54.67%-46.1pp | 318.61%-310.0pp |
| Employer contribution / active EE | $736 | $2,044-64.0% | $2,732-73.1% | $2,565-71.3% |
| Participant deferral / active EE | $927 | $3,641-74.5% | $4,487-79.3% | $3,952-76.6% |
| Admin fee / account holder | $6,849 | $8,189-16.4% | $7,965-14.0% | $6,261+9.4% |