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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 | $10,008 | $58,726-83.0% | $92,240-89.1% | $62,293-83.9% |
| Participation rate | 40.0% | 68.3%-28.3pp | 76.5%-36.5pp | 69.5%-29.5pp |
| Annual return | 12.25% | 43.62%-31.4pp | 176.29%-164.0pp | 28.90%-16.6pp |
| Employer contribution / active EE | $1,670 | $2,392-30.2% | $3,680-54.6% | $2,042-18.2% |
| Participant deferral / active EE | $884 | $2,766-68.1% | $3,897-77.3% | $3,169-72.1% |
| Admin fee / account holder | $2,258 | $556+305.7% | $5,194-56.5% | $479+371.0% |