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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 | $12,427 | $56,894-78.2% | $84,753-85.3% | $62,881-80.2% |
| Participation rate | 63.8% | 68.5%-4.7pp | 76.6%-12.8pp | 69.3%-5.5pp |
| Annual return | 0.03% | 6.30%-6.3pp | 22.78%-22.8pp | 20.14%-20.1pp |
| Employer contribution / active EE | $2,157 | $2,400-10.1% | $3,574-39.7% | $2,281-5.4% |
| Participant deferral / active EE | $156 | $2,709-94.3% | $3,712-95.8% | $3,203-95.1% |
| Admin fee / account holder | $383 | $3,581-89.3% | $5,333-92.8% | $4,296-91.1% |