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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 | $81,487-80.9% | $102,412-84.8% | $80,935-80.8% |
| Participation rate | 31.3% | 66.8%-35.6pp | 74.5%-43.3pp | 67.7%-36.4pp |
| Annual return | 7.87% | 25.60%-17.7pp | 24.94%-17.1pp | 35.66%-27.8pp |
| Employer contribution / active EE | $819 | $3,103-73.6% | $3,870-78.8% | $2,757-70.3% |
| Participant deferral / active EE | $1,026 | $3,871-73.5% | $5,060-79.7% | $4,299-76.1% |
| Admin fee / account holder | $4,473 | $6,717-33.4% | $8,388-46.7% | $6,924-35.4% |