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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 | $13,481 | $65,395-79.4% | $182,558-92.6% | $72,976-81.5% |
| Participation rate | 32.8% | 65.4%-32.6pp | 78.0%-45.2pp | 69.5%-36.7pp |
| Annual return | 13.44% | 27.68%-14.2pp | 148.59%-135.2pp | 81.02%-67.6pp |
| Employer contribution / active EE | $418 | $1,911-78.1% | $4,076-89.7% | $2,440-82.9% |
| Participant deferral / active EE | $460 | $3,563-87.1% | $5,526-91.7% | $3,608-87.2% |
| Admin fee / account holder | $2,662 | $4,245-37.3% | $8,594-69.0% | $5,124-48.0% |