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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 | $15,964 | $76,371-79.1% | $93,621-82.9% | $72,976-78.1% |
| Participation rate | 62.9% | 71.8%-8.9pp | 75.8%-13.0pp | 69.5%-6.6pp |
| Annual return | 15.25% | 25.82%-10.6pp | 32.76%-17.5pp | 81.02%-65.8pp |
| Employer contribution / active EE | $629 | $2,276-72.4% | $2,719-76.9% | $2,440-74.2% |
| Participant deferral / active EE | $844 | $3,538-76.2% | $4,070-79.3% | $3,608-76.6% |
| Admin fee / account holder | $2,138 | $6,839-68.7% | $7,890-72.9% | $5,124-58.3% |