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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 | $13,850 | $101,798-86.4% | $165,071-91.6% | $80,935-82.9% |
| Participation rate | 48.1% | 71.8%-23.8pp | 78.6%-30.5pp | 67.7%-19.6pp |
| Annual return | 9.54% | 16.73%-7.2pp | 70.17%-60.6pp | 35.66%-26.1pp |
| Employer contribution / active EE | $1,115 | $2,954-62.3% | $4,347-74.4% | $2,757-59.6% |
| Participant deferral / active EE | $1,761 | $4,476-60.7% | $6,035-70.8% | $4,299-59.0% |
| Admin fee / account holder | $791 | $8,221-90.4% | $12,695-93.8% | $6,924-88.6% |