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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 | $22,587 | $86,949-74.0% | $102,460-78.0% | $80,959-72.1% |
| Participation rate | 41.5% | 72.4%-30.9pp | 76.5%-35.0pp | 67.7%-26.2pp |
| Annual return | 8.79% | 18.89%-10.1pp | 29.47%-20.7pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,085 | $2,370-54.2% | $3,025-64.1% | $2,757-60.7% |
| Participant deferral / active EE | $1,839 | $4,121-55.4% | $5,056-63.6% | $4,300-57.2% |
| Admin fee / account holder | $3,612 | $8,048-55.1% | $9,460-61.8% | $6,925-47.8% |