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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 | $10,529 | $60,165-82.5% | $74,184-85.8% | $55,167-80.9% |
| Participation rate | 23.0% | 74.2%-51.1pp | 76.6%-53.6pp | 69.0%-46.0pp |
| Annual return | 4.77% | 10.00%-5.2pp | 17.74%-13.0pp | 169.23%-164.5pp |
| Employer contribution / active EE | $427 | $1,600-73.3% | $2,370-82.0% | $1,963-78.3% |
| Participant deferral / active EE | $1,126 | $2,973-62.1% | $3,550-68.3% | $3,054-63.1% |
| Admin fee / account holder | $1,436 | $419+242.5% | $5,586-74.3% | $504+185.0% |