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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 | $18,911 | $68,412-72.4% | $94,679-80.0% | $75,181-74.8% |
| Participation rate | 29.1% | 76.1%-47.0pp | 80.8%-51.7pp | 67.2%-38.1pp |
| Annual return | 14.82% | 616.91%-602.1pp | 156.75%-141.9pp | 160.69%-145.9pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $766 | $6,537-88.3% | $7,417-89.7% | $4,126-81.4% |
| Admin fee / account holder | $2,654 | $5,326-50.2% | $7,233-63.3% | $5,650-53.0% |