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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 | $19,617 | $76,834-74.5% | $108,359-81.9% | $87,485-77.6% |
| Participation rate | 22.2% | 61.7%-39.5pp | 70.1%-47.9pp | 68.9%-46.7pp |
| Annual return | 9.70% | 19.09%-9.4pp | 36.89%-27.2pp | 26.06%-16.4pp |
| Employer contribution / active EE | $452 | $1,556-71.0% | $2,399-81.2% | $2,596-82.6% |
| Participant deferral / active EE | $895 | $3,100-71.1% | $4,137-78.4% | $4,274-79.1% |
| Admin fee / account holder | $4,861 | $6,537-25.6% | $9,741-50.1% | $7,775-37.5% |