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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 | $11,502 | $81,487-85.9% | $102,412-88.8% | $80,935-85.8% |
| Participation rate | 36.1% | 66.8%-30.7pp | 74.5%-38.4pp | 67.7%-31.6pp |
| Annual return | 8.42% | 25.60%-17.2pp | 24.94%-16.5pp | 35.66%-27.2pp |
| Employer contribution / active EE | $892 | $3,103-71.3% | $3,870-77.0% | $2,757-67.6% |
| Participant deferral / active EE | $1,121 | $3,871-71.0% | $5,060-77.8% | $4,299-73.9% |
| Admin fee / account holder | $5,888 | $6,717-12.3% | $8,388-29.8% | $6,924-15.0% |