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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 | $20,095 | $70,475-71.5% | $100,530-80.0% | $79,858-74.8% |
| Participation rate | 60.6% | 73.7%-13.0pp | 79.4%-18.8pp | 69.6%-9.0pp |
| Annual return | 12.30% | 21.90%-9.6pp | 30.89%-18.6pp | 31.72%-19.4pp |
| Employer contribution / active EE | $236 | $2,165-89.1% | $3,418-93.1% | $2,471-90.5% |
| Participant deferral / active EE | $2,000 | $5,181-61.4% | $6,271-68.1% | $3,740-46.5% |
| Admin fee / account holder | $1,969 | $4,478-56.0% | $8,083-75.6% | $5,306-62.9% |