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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 | $17,855 | $79,867-77.6% | $120,344-85.2% | $64,340-72.2% |
| Participation rate | 30.9% | 63.0%-32.1pp | 76.7%-45.8pp | 55.2%-24.4pp |
| Annual return | 5.84% | 21.10%-15.3pp | 20.30%-14.5pp | 24.14%-18.3pp |
| Employer contribution / active EE | $623 | $1,925-67.6% | $3,020-79.4% | $1,862-66.6% |
| Participant deferral / active EE | $911 | $3,593-74.6% | $5,135-82.3% | $2,980-69.4% |
| Admin fee / account holder | $2,941 | $5,039-41.6% | $12,742-76.9% | $3,703-20.6% |