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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 | $12,905 | $45,022-71.3% | $85,126-84.8% | $77,714-83.4% |
| Participation rate | 16.0% | 48.7%-32.7pp | 67.5%-51.5pp | 70.6%-54.6pp |
| Annual return | 9.30% | 79.38%-70.1pp | 66.63%-57.3pp | 31.26%-22.0pp |
| Employer contribution / active EE | $194 | $1,610-87.9% | $2,731-92.9% | $2,727-92.9% |
| Participant deferral / active EE | $501 | $2,811-82.2% | $4,523-88.9% | $4,649-89.2% |
| Admin fee / account holder | $1,981 | $913+116.9% | $6,160-67.8% | $433+357.2% |