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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 | $21,432 | $93,345-77.0% | $119,126-82.0% | $87,485-75.5% |
| Participation rate | 16.9% | 68.7%-51.8pp | 75.8%-58.8pp | 68.9%-52.0pp |
| Annual return | 9.02% | 19.08%-10.1pp | 282.11%-273.1pp | 26.06%-17.0pp |
| Employer contribution / active EE | $1,035 | $3,172-67.4% | $4,034-74.3% | $2,596-60.1% |
| Participant deferral / active EE | $1,165 | $4,099-71.6% | $5,318-78.1% | $4,274-72.7% |
| Admin fee / account holder | $7,399 | $8,039-8.0% | $10,693-30.8% | $7,775-4.8% |