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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 | $22,965 | $108,825-78.9% | $156,181-85.3% | $82,448-72.1% |
| Participation rate | 40.5% | 72.4%-31.9pp | 78.8%-38.4pp | 68.1%-27.6pp |
| Annual return | 10.39% | 20.59%-10.2pp | 64.87%-54.5pp | 41.64%-31.3pp |
| Employer contribution / active EE | $1,211 | $2,870-57.8% | $4,294-71.8% | $2,551-52.5% |
| Participant deferral / active EE | $1,886 | $4,577-58.8% | $6,132-69.2% | $4,139-54.4% |
| Admin fee / account holder | $2,438 | $9,341-73.9% | $14,586-83.3% | $7,234-66.3% |