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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 | $15,531 | $81,446-80.9% | $103,374-85.0% | $80,874-80.8% |
| Participation rate | 31.3% | 66.9%-35.6pp | 74.5%-43.3pp | 67.6%-36.4pp |
| Annual return | 7.87% | 25.57%-17.7pp | 24.89%-17.0pp | 35.62%-27.7pp |
| Employer contribution / active EE | $819 | $3,107-73.6% | $3,869-78.8% | $2,756-70.3% |
| Participant deferral / active EE | $1,026 | $3,870-73.5% | $5,058-79.7% | $4,297-76.1% |
| Admin fee / account holder | $4,473 | $6,715-33.4% | $8,394-46.7% | $6,935-35.5% |