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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 | $14,288 | $107,421-86.7% | $182,262-92.2% | $94,015-84.8% |
| Participation rate | 56.7% | 77.8%-21.1pp | 84.2%-27.5pp | 70.8%-14.2pp |
| Annual return | 4.41% | 21.32%-16.9pp | 140.60%-136.2pp | 17.84%-13.4pp |
| Employer contribution / active EE | $725 | $3,448-79.0% | $5,046-85.6% | $2,790-74.0% |
| Participant deferral / active EE | $1,790 | $6,558-72.7% | $8,276-78.4% | $4,249-57.9% |
| Admin fee / account holder | $2,705 | $8,692-68.9% | $16,712-83.8% | $8,951-69.8% |