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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 | $21,019 | $81,208-74.1% | $98,920-78.8% | $79,852-73.7% |
| Participation rate | 43.3% | 72.5%-29.2pp | 76.0%-32.7pp | 69.6%-26.3pp |
| Annual return | 7.19% | 60.99%-53.8pp | 196.47%-189.3pp | 31.72%-24.5pp |
| Employer contribution / active EE | $1,003 | $1,960-48.8% | $2,689-62.7% | $2,471-59.4% |
| Participant deferral / active EE | $1,383 | $3,265-57.6% | $4,245-67.4% | $3,740-63.0% |
| Admin fee / account holder | $2,215 | $6,013-63.2% | $6,643-66.7% | $5,306-58.3% |