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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 | $33,363 | $88,186-62.2% | $165,071-79.8% | $74,459-55.2% |
| Participation rate | 30.0% | 73.1%-43.1pp | 78.6%-48.6pp | 67.2%-37.2pp |
| Annual return | 10.44% | 17.13%-6.7pp | 70.17%-59.7pp | 1369.70%-1359.3pp |
| Employer contribution / active EE | $796 | $2,600-69.4% | $4,347-81.7% | $2,626-69.7% |
| Participant deferral / active EE | $1,552 | $4,505-65.6% | $6,035-74.3% | $4,350-64.3% |
| Admin fee / account holder | $1,524 | $2,234-31.8% | $12,695-88.0% | $1,945-21.6% |