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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 | $25,544 | $86,919-70.6% | $102,457-75.1% | $80,911-68.4% |
| Participation rate | 42.9% | 72.4%-29.5pp | 76.5%-33.6pp | 67.6%-24.8pp |
| Annual return | 9.53% | 18.90%-9.4pp | 29.41%-19.9pp | 35.63%-26.1pp |
| Employer contribution / active EE | $1,048 | $2,368-55.8% | $3,022-65.3% | $2,756-62.0% |
| Participant deferral / active EE | $1,227 | $4,119-70.2% | $5,054-75.7% | $4,297-71.4% |
| Admin fee / account holder | $4,194 | $8,049-47.9% | $9,451-55.6% | $6,935-39.5% |