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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 | $15,879 | $100,194-84.2% | $122,979-87.1% | $86,983-81.7% |
| Participation rate | 54.3% | 73.0%-18.7pp | 77.2%-22.9pp | 69.5%-15.3pp |
| Annual return | 8.25% | 16.47%-8.2pp | 20.12%-11.9pp | 25.83%-17.6pp |
| Employer contribution / active EE | $1,087 | $2,326-53.3% | $3,062-64.5% | $2,584-57.9% |
| Participant deferral / active EE | $1,806 | $4,133-56.3% | $5,003-63.9% | $4,194-56.9% |
| Admin fee / account holder | $2,858 | $10,148-71.8% | $12,864-77.8% | $7,856-63.6% |