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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 | $22,904 | $76,112-69.9% | $96,534-76.3% | $71,511-68.0% |
| Participation rate | 28.4% | 74.4%-46.0pp | 76.0%-47.5pp | 67.9%-39.5pp |
| Annual return | 8.53% | 22.81%-14.3pp | 25.88%-17.4pp | 28.86%-20.3pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $710 | $4,217-83.2% | $4,851-85.4% | $4,291-83.4% |
| Admin fee / account holder | $1,686 | $2,708-37.8% | $8,253-79.6% | $1,588+6.1% |