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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 | $12,736 | $102,429-87.6% | $147,096-91.3% | $80,925-84.3% |
| Participation rate | 53.8% | 75.9%-22.0pp | 82.2%-28.3pp | 67.7%-13.8pp |
| Annual return | 9.56% | 135.02%-125.5pp | 419.75%-410.2pp | 35.65%-26.1pp |
| Employer contribution / active EE | $1,167 | $3,716-68.6% | $4,936-76.4% | $2,756-57.7% |
| Participant deferral / active EE | $1,263 | $6,649-81.0% | $8,071-84.3% | $4,299-70.6% |
| Admin fee / account holder | $1,263 | $7,957-84.1% | $13,005-90.3% | $6,940-81.8% |