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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 | $13,850 | $70,475-80.3% | $100,530-86.2% | $79,858-82.7% |
| Participation rate | 42.4% | 73.7%-31.2pp | 79.4%-37.0pp | 69.6%-27.2pp |
| Annual return | 12.12% | 21.90%-9.8pp | 30.89%-18.8pp | 31.72%-19.6pp |
| Employer contribution / active EE | $329 | $2,165-84.8% | $3,418-90.4% | $2,471-86.7% |
| Participant deferral / active EE | $972 | $5,181-81.2% | $6,271-84.5% | $3,740-74.0% |
| Admin fee / account holder | $493 | $4,478-89.0% | $8,083-93.9% | $5,306-90.7% |