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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 | $9,999 | $70,684-85.9% | $169,397-94.1% | $75,177-86.7% |
| Participation rate | 46.9% | 64.8%-17.9pp | 77.2%-30.3pp | 67.2%-20.3pp |
| Annual return | 12.86% | 36.38%-23.5pp | 406.23%-393.4pp | 160.75%-147.9pp |
| Employer contribution / active EE | $1,075 | $2,211-51.4% | $4,013-73.2% | $2,671-59.7% |
| Participant deferral / active EE | $1,185 | $4,310-72.5% | $6,223-81.0% | $4,126-71.3% |
| Admin fee / account holder | $1,910 | $5,404-64.7% | $9,017-78.8% | $5,651-66.2% |