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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 | $32,724 | $138,393-76.4% | $184,256-82.2% | $80,959-59.6% |
| Participation rate | 64.1% | 83.9%-19.8pp | 86.8%-22.7pp | 67.7%-3.6pp |
| Annual return | 10.89% | 20.01%-9.1pp | 28.85%-18.0pp | 35.67%-24.8pp |
| Employer contribution / active EE | $2,060 | $4,847-57.5% | $6,427-67.9% | $2,757-25.3% |
| Participant deferral / active EE | $2,493 | $7,076-64.8% | $9,133-72.7% | $4,300-42.0% |
| Admin fee / account holder | $2,408 | $10,489-77.0% | $13,899-82.7% | $6,925-65.2% |