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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 | $21,974 | $105,210-79.1% | $159,487-86.2% | $85,851-74.4% |
| Participation rate | 42.9% | 75.8%-32.9pp | 82.8%-40.0pp | 69.3%-26.5pp |
| Annual return | 11.35% | 45.08%-33.7pp | 263.71%-252.4pp | 318.63%-307.3pp |
| Employer contribution / active EE | $746 | $3,319-77.5% | $4,831-84.6% | $2,565-70.9% |
| Participant deferral / active EE | $975 | $5,946-83.6% | $7,354-86.7% | $3,952-75.3% |
| Admin fee / account holder | $600 | $6,934-91.3% | $10,804-94.4% | $6,261-90.4% |