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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 | $19,325 | $106,864-81.9% | $147,318-86.9% | $82,637-76.6% |
| Participation rate | 52.0% | 75.5%-23.5pp | 82.1%-30.1pp | 68.1%-16.1pp |
| Annual return | 9.60% | 27.49%-17.9pp | 70.43%-60.8pp | 53.51%-43.9pp |
| Employer contribution / active EE | $1,682 | $3,417-50.8% | $4,593-63.4% | $2,552-34.1% |
| Participant deferral / active EE | $2,142 | $6,496-67.0% | $7,906-72.9% | $4,126-48.1% |
| Admin fee / account holder | $495 | $8,415-94.1% | $13,708-96.4% | $7,339-93.3% |