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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 | $86,940-70.6% | $102,434-75.1% | $80,935-68.4% |
| Participation rate | 42.9% | 72.4%-29.5pp | 76.5%-33.7pp | 67.7%-24.8pp |
| Annual return | 9.53% | 18.89%-9.4pp | 29.46%-19.9pp | 35.66%-26.1pp |
| Employer contribution / active EE | $1,048 | $2,370-55.8% | $3,023-65.4% | $2,757-62.0% |
| Participant deferral / active EE | $1,227 | $4,121-70.2% | $5,055-75.7% | $4,299-71.5% |
| Admin fee / account holder | $4,194 | $8,047-47.9% | $9,462-55.7% | $6,924-39.4% |