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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 | $11,477 | $106,749-89.2% | $145,433-92.1% | $82,448-86.1% |
| Participation rate | 68.2% | 75.6%-7.5pp | 82.1%-13.9pp | 68.1%+0.1pp |
| Annual return | 13.92% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,519 | $3,444-55.9% | $4,554-66.6% | $2,551-40.4% |
| Participant deferral / active EE | $1,487 | $6,519-77.2% | $7,897-81.2% | $4,139-64.1% |
| Admin fee / account holder | $3,595 | $8,390-57.1% | $13,129-72.6% | $7,234-50.3% |