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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 | $23,635 | $106,524-77.8% | $152,301-84.5% | $87,485-73.0% |
| Participation rate | 48.5% | 75.8%-27.3pp | 82.4%-34.0pp | 68.9%-20.4pp |
| Annual return | 13.12% | 26.89%-13.8pp | 80.50%-67.4pp | 26.06%-12.9pp |
| Employer contribution / active EE | $1,089 | $3,371-67.7% | $4,624-76.4% | $2,596-58.0% |
| Participant deferral / active EE | $1,984 | $6,525-69.6% | $8,004-75.2% | $4,274-53.6% |
| Admin fee / account holder | $3,896 | $8,287-53.0% | $14,398-72.9% | $7,775-49.9% |