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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 | $14,265 | $81,504-82.5% | $102,437-86.1% | $80,959-82.4% |
| Participation rate | 46.2% | 66.9%-20.7pp | 74.5%-28.4pp | 67.7%-21.5pp |
| Annual return | 8.18% | 25.60%-17.4pp | 24.95%-16.8pp | 35.67%-27.5pp |
| Employer contribution / active EE | $1,881 | $3,104-39.4% | $3,871-51.4% | $2,757-31.8% |
| Participant deferral / active EE | $72 | $3,871-98.1% | $5,060-98.6% | $4,300-98.3% |
| Admin fee / account holder | $2,248 | $6,719-66.5% | $8,388-73.2% | $6,925-67.5% |