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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 | $11,121 | $78,015-85.7% | $178,505-93.8% | $80,959-86.3% |
| Participation rate | 29.6% | 65.7%-36.0pp | 77.1%-47.5pp | 67.7%-38.0pp |
| Annual return | 9.92% | 18.10%-8.2pp | 27.16%-17.2pp | 35.67%-25.7pp |
| Employer contribution / active EE | $514 | $2,281-77.5% | $3,955-87.0% | $2,757-81.4% |
| Participant deferral / active EE | $943 | $4,406-78.6% | $6,280-85.0% | $4,300-78.1% |
| Admin fee / account holder | $3,620 | $7,160-49.4% | $10,428-65.3% | $6,925-47.7% |