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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 | $18,538 | $54,573-66.0% | $90,970-79.6% | $73,497-74.8% |
| Participation rate | 42.1% | 61.2%-19.1pp | 69.0%-27.0pp | 70.7%-28.6pp |
| Annual return | 11.47% | 16.69%-5.2pp | 134.60%-123.1pp | 28.51%-17.0pp |
| Employer contribution / active EE | $639 | $991-35.5% | $2,122-69.9% | $2,270-71.8% |
| Participant deferral / active EE | $1,043 | $2,517-58.5% | $3,373-69.1% | $3,740-72.1% |
| Admin fee / account holder | $1,413 | $521+171.0% | $5,961-76.3% | $513+175.5% |