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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 | $21,974 | $106,749-79.4% | $145,433-84.9% | $82,448-73.3% |
| Participation rate | 40.8% | 75.6%-34.8pp | 82.1%-41.3pp | 68.1%-27.3pp |
| Annual return | 12.02% | 27.59%-15.6pp | 66.58%-54.6pp | 41.64%-29.6pp |
| Employer contribution / active EE | $851 | $3,444-75.3% | $4,554-81.3% | $2,551-66.6% |
| Participant deferral / active EE | $2,221 | $6,519-65.9% | $7,897-71.9% | $4,139-46.3% |
| Admin fee / account holder | $2,662 | $8,390-68.3% | $13,129-79.7% | $7,234-63.2% |