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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 | $16,025 | $87,106-81.6% | $105,607-84.8% | $80,935-80.2% |
| Participation rate | 47.4% | 70.4%-23.1pp | 75.3%-27.9pp | 67.7%-20.3pp |
| Annual return | 6.57% | 17.01%-10.4pp | 116.11%-109.5pp | 35.66%-29.1pp |
| Employer contribution / active EE | $678 | $2,396-71.7% | $3,167-78.6% | $2,757-75.4% |
| Participant deferral / active EE | $1,178 | $3,986-70.4% | $5,011-76.5% | $4,299-72.6% |
| Admin fee / account holder | $1,336 | $8,447-84.2% | $10,958-87.8% | $6,924-80.7% |