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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 | $26,695 | $91,424-70.8% | $135,942-80.4% | $71,495-62.7% |
| Participation rate | 20.0% | 75.7%-55.7pp | 81.9%-61.9pp | 67.9%-47.9pp |
| Annual return | 13.26% | 29.90%-16.6pp | 68.28%-55.0pp | 28.85%-15.6pp |
| Employer contribution / active EE | $1,051 | $3,704-71.6% | $4,858-78.4% | $2,589-59.4% |
| Participant deferral / active EE | $2,300 | $7,092-67.6% | $7,759-70.4% | $4,291-46.4% |
| Admin fee / account holder | $3,041 | $1,266+140.2% | $10,764-71.7% | $1,588+91.6% |