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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 | $24,704 | $138,393-82.1% | $184,256-86.6% | $80,959-69.5% |
| Participation rate | 67.4% | 83.9%-16.5pp | 86.8%-19.4pp | 67.7%-0.3pp |
| Annual return | 8.05% | 20.01%-12.0pp | 28.85%-20.8pp | 35.67%-27.6pp |
| Employer contribution / active EE | $2,994 | $4,847-38.2% | $6,427-53.4% | $2,757+8.6% |
| Participant deferral / active EE | $2,317 | $7,076-67.3% | $9,133-74.6% | $4,300-46.1% |
| Admin fee / account holder | $1,357 | $10,489-87.1% | $13,899-90.2% | $6,925-80.4% |