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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 | $22,021 | $78,636-72.0% | $105,607-79.1% | $74,459-70.4% |
| Participation rate | 44.8% | 72.8%-28.0pp | 75.3%-30.5pp | 67.2%-22.4pp |
| Annual return | 8.94% | 15.96%-7.0pp | 116.11%-107.2pp | 1369.70%-1360.8pp |
| Employer contribution / active EE | $823 | $2,523-67.4% | $3,167-74.0% | $2,626-68.7% |
| Participant deferral / active EE | $1,836 | $4,322-57.5% | $5,011-63.4% | $4,350-57.8% |
| Admin fee / account holder | $952 | $2,220-57.1% | $10,958-91.3% | $1,945-51.0% |