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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 | $19,254 | $54,541-64.7% | $78,778-75.6% | $70,126-72.5% |
| Participation rate | 44.6% | 60.8%-16.2pp | 69.2%-24.6pp | 69.5%-24.9pp |
| Annual return | 12.08% | 21.07%-9.0pp | 35.62%-23.5pp | 73.15%-61.1pp |
| Employer contribution / active EE | $450 | $1,089-58.6% | $1,986-77.3% | $2,343-80.8% |
| Participant deferral / active EE | $468 | $2,210-78.8% | $2,958-84.2% | $3,332-85.9% |
| Admin fee / account holder | $403 | $3,709-89.1% | $5,134-92.2% | $4,645-91.3% |