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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 | $28,315 | $105,284-73.1% | $150,734-81.2% | $94,015-69.9% |
| Participation rate | 68.2% | 71.7%-3.6pp | 78.4%-10.3pp | 70.8%-2.6pp |
| Annual return | 9.45% | 15.67%-6.2pp | 600.81%-591.4pp | 17.84%-8.4pp |
| Employer contribution / active EE | $0 | $3,599-100.0% | $4,918-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $1,700 | $4,274-60.2% | $5,610-69.7% | $4,249-60.0% |
| Admin fee / account holder | $466 | $9,839-95.3% | $14,905-96.9% | $8,951-94.8% |