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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 | $11,428 | $77,472-85.2% | $100,415-88.6% | $80,959-85.9% |
| Participation rate | 47.9% | 76.9%-29.0pp | 81.5%-33.6pp | 67.7%-19.7pp |
| Annual return | 7.59% | 37.26%-29.7pp | 49.47%-41.9pp | 35.67%-28.1pp |
| Employer contribution / active EE | $812 | $2,800-71.0% | $3,943-79.4% | $2,757-70.5% |
| Participant deferral / active EE | $1,810 | $6,818-73.4% | $8,091-77.6% | $4,300-57.9% |
| Admin fee / account holder | $840 | $5,885-85.7% | $7,906-89.4% | $6,925-87.9% |