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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 | $24,597 | $67,602-63.6% | $82,312-70.1% | $70,126-64.9% |
| Participation rate | 62.5% | 72.8%-10.3pp | 76.9%-14.4pp | 69.5%-7.0pp |
| Annual return | 11.22% | 21.57%-10.3pp | 25.88%-14.7pp | 73.15%-61.9pp |
| Employer contribution / active EE | $787 | $1,755-55.2% | $2,428-67.6% | $2,343-66.4% |
| Participant deferral / active EE | $1,194 | $2,987-60.0% | $3,706-67.8% | $3,332-64.2% |
| Admin fee / account holder | $375 | $4,512-91.7% | $5,608-93.3% | $4,645-91.9% |