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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 | $22,179 | $89,370-75.2% | $141,197-84.3% | $72,976-69.6% |
| Participation rate | 56.3% | 75.1%-18.9pp | 82.5%-26.2pp | 69.5%-13.2pp |
| Annual return | 18.18% | 111.88%-93.7pp | 71.41%-53.2pp | 81.02%-62.8pp |
| Employer contribution / active EE | $7,093 | $3,115+127.7% | $4,736+49.8% | $2,440+190.7% |
| Participant deferral / active EE | $1,595 | $5,419-70.6% | $6,710-76.2% | $3,608-55.8% |
| Admin fee / account holder | $4,827 | $5,957-19.0% | $10,265-53.0% | $5,124-5.8% |