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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 | $23,646 | $102,385-76.9% | $147,080-83.9% | $80,935-70.8% |
| Participation rate | 39.3% | 75.9%-36.6pp | 82.2%-42.9pp | 67.7%-28.4pp |
| Annual return | 5.27% | 135.09%-129.8pp | 420.17%-414.9pp | 35.66%-30.4pp |
| Employer contribution / active EE | $1,037 | $3,717-72.1% | $4,933-79.0% | $2,757-62.4% |
| Participant deferral / active EE | $2,467 | $6,651-62.9% | $8,066-69.4% | $4,299-42.6% |
| Admin fee / account holder | $1,344 | $7,951-83.1% | $12,989-89.7% | $6,924-80.6% |