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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 | $18,494 | $106,749-82.7% | $145,433-87.3% | $82,448-77.6% |
| Participation rate | 44.1% | 75.6%-31.5pp | 82.1%-38.0pp | 68.1%-24.0pp |
| Annual return | 13.09% | 27.59%-14.5pp | 66.58%-53.5pp | 41.64%-28.5pp |
| Employer contribution / active EE | $908 | $3,444-73.6% | $4,554-80.1% | $2,551-64.4% |
| Participant deferral / active EE | $1,521 | $6,519-76.7% | $7,897-80.7% | $4,139-63.2% |
| Admin fee / account holder | $4,254 | $8,390-49.3% | $13,129-67.6% | $7,234-41.2% |