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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 | $27,027 | $86,940-68.9% | $102,434-73.6% | $80,935-66.6% |
| Participation rate | 9.5% | 72.4%-62.9pp | 76.5%-67.0pp | 67.7%-58.1pp |
| Annual return | 8.48% | 18.89%-10.4pp | 29.46%-21.0pp | 35.66%-27.2pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,023-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,005 | $4,121-75.6% | $5,055-80.1% | $4,299-76.6% |
| Admin fee / account holder | $8,152 | $8,047+1.3% | $9,462-13.8% | $6,924+17.7% |