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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 | $13,510 | $84,953-84.1% | $163,379-91.7% | $82,637-83.7% |
| Participation rate | 60.0% | 65.9%-5.9pp | 76.8%-16.8pp | 68.1%-8.1pp |
| Annual return | 11.47% | 23.07%-11.6pp | 63.41%-51.9pp | 53.51%-42.0pp |
| Employer contribution / active EE | $999 | $2,183-54.2% | $3,752-73.4% | $2,552-60.8% |
| Participant deferral / active EE | $1,018 | $4,326-76.5% | $6,282-83.8% | $4,126-75.3% |
| Admin fee / account holder | $735 | $7,921-90.7% | $9,818-92.5% | $7,339-90.0% |