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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 | $31,291 | $101,672-69.2% | $147,117-78.7% | $74,478-58.0% |
| Participation rate | 41.7% | 75.5%-33.8pp | 82.2%-40.4pp | 67.2%-25.5pp |
| Annual return | 10.37% | 8757.83%-8747.5pp | 420.54%-410.2pp | 1370.56%-1360.2pp |
| Employer contribution / active EE | $1,035 | $3,813-72.9% | $4,932-79.0% | $2,626-60.6% |
| Participant deferral / active EE | $2,070 | $7,305-71.7% | $8,065-74.3% | $4,350-52.4% |
| Admin fee / account holder | $6,487 | $1,753+270.0% | $12,993-50.1% | $1,946+233.4% |