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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 | $24,423 | $71,534-65.9% | $98,462-75.2% | $71,529-65.9% |
| Participation rate | 34.8% | 72.7%-37.9pp | 75.2%-40.4pp | 67.9%-33.2pp |
| Annual return | 8.67% | 32.44%-23.8pp | 21.17%-12.5pp | 28.97%-20.3pp |
| Employer contribution / active EE | $904 | $2,399-62.3% | $3,049-70.3% | $2,590-65.1% |
| Participant deferral / active EE | $620 | $4,109-84.9% | $4,738-86.9% | $4,291-85.6% |
| Admin fee / account holder | $1,717 | $1,677+2.4% | $8,875-80.6% | $1,588+8.1% |