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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 | $110,137-79.1% | $161,149-85.7% | $82,637-72.2% |
| Participation rate | 40.5% | 72.4%-31.9pp | 78.8%-38.4pp | 68.1%-27.6pp |
| Annual return | 10.39% | 20.69%-10.3pp | 21.16%-10.8pp | 53.51%-43.1pp |
| Employer contribution / active EE | $1,211 | $2,856-57.6% | $4,360-72.2% | $2,552-52.6% |
| Participant deferral / active EE | $1,886 | $4,575-58.8% | $6,153-69.3% | $4,126-54.3% |
| Admin fee / account holder | $2,438 | $9,467-74.2% | $15,194-84.0% | $7,339-66.8% |