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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 | $19,098 | $64,909-70.6% | $82,312-76.8% | $62,293-69.3% |
| Participation rate | 54.7% | 74.9%-20.2pp | 76.9%-22.2pp | 69.5%-14.8pp |
| Annual return | 12.81% | 21.18%-8.4pp | 25.88%-13.1pp | 28.90%-16.1pp |
| Employer contribution / active EE | $1,117 | $1,676-33.4% | $2,428-54.0% | $2,042-45.3% |
| Participant deferral / active EE | $1,357 | $3,103-56.3% | $3,706-63.4% | $3,169-57.2% |
| Admin fee / account holder | $1,872 | $440+325.9% | $5,608-66.6% | $479+290.6% |