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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 | $23,356 | $72,486-67.8% | $87,103-73.2% | $72,976-68.0% |
| Participation rate | 28.2% | 72.8%-44.6pp | 76.9%-48.7pp | 69.5%-41.3pp |
| Annual return | 14.83% | 24.46%-9.6pp | 28.19%-13.4pp | 81.02%-66.2pp |
| Employer contribution / active EE | $804 | $1,894-57.5% | $2,521-68.1% | $2,440-67.0% |
| Participant deferral / active EE | $1,459 | $3,270-55.4% | $4,049-64.0% | $3,608-59.5% |
| Admin fee / account holder | $729 | $5,055-85.6% | $7,491-90.3% | $5,124-85.8% |