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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 | $17,959 | $98,776-81.8% | $149,745-88.0% | $79,856-77.5% |
| Participation rate | 51.9% | 75.8%-23.9pp | 82.5%-30.6pp | 69.6%-17.8pp |
| Annual return | 2.09% | 27.38%-25.3pp | 276.72%-274.6pp | 31.71%-29.6pp |
| Employer contribution / active EE | $678 | $3,217-78.9% | $4,646-85.4% | $2,471-72.6% |
| Participant deferral / active EE | $2,035 | $5,681-64.2% | $6,843-70.3% | $3,741-45.6% |
| Admin fee / account holder | $475 | $6,053-92.2% | $9,312-94.9% | $5,306-91.0% |