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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 | $29,268 | $138,386-78.9% | $184,260-84.1% | $80,935-63.8% |
| Participation rate | 56.7% | 83.9%-27.2pp | 86.8%-30.2pp | 67.7%-11.0pp |
| Annual return | 3.92% | 20.02%-16.1pp | 28.84%-24.9pp | 35.66%-31.7pp |
| Employer contribution / active EE | $2,019 | $4,851-58.4% | $6,427-68.6% | $2,757-26.8% |
| Participant deferral / active EE | $2,945 | $7,076-58.4% | $9,133-67.8% | $4,299-31.5% |
| Admin fee / account holder | $5,604 | $10,489-46.6% | $13,898-59.7% | $6,924-19.1% |