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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 | $24,290 | $71,523-66.0% | $98,461-75.3% | $71,511-66.0% |
| Participation rate | 39.2% | 72.7%-33.5pp | 75.2%-36.0pp | 67.9%-28.8pp |
| Annual return | 11.97% | 32.43%-20.5pp | 21.17%-9.2pp | 28.86%-16.9pp |
| Employer contribution / active EE | $851 | $2,399-64.5% | $3,049-72.1% | $2,589-67.1% |
| Participant deferral / active EE | $1,780 | $4,109-56.7% | $4,738-62.4% | $4,291-58.5% |
| Admin fee / account holder | $8,475 | $1,676+405.7% | $8,961-5.4% | $1,588+433.5% |