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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 | $25,518 | $107,421-76.2% | $182,262-86.0% | $94,015-72.9% |
| Participation rate | 43.3% | 77.8%-34.5pp | 84.2%-40.9pp | 70.8%-27.5pp |
| Annual return | 10.11% | 21.32%-11.2pp | 140.60%-130.5pp | 17.84%-7.7pp |
| Employer contribution / active EE | $703 | $3,448-79.6% | $5,046-86.1% | $2,790-74.8% |
| Participant deferral / active EE | $1,220 | $6,558-81.4% | $8,276-85.3% | $4,249-71.3% |
| Admin fee / account holder | $625 | $8,692-92.8% | $16,712-96.3% | $8,951-93.0% |