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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 | $13,414 | $51,466-73.9% | $78,778-83.0% | $62,293-78.5% |
| Participation rate | 53.0% | 59.8%-6.7pp | 69.2%-16.1pp | 69.5%-16.5pp |
| Annual return | 11.83% | 19.96%-8.1pp | 35.62%-23.8pp | 28.90%-17.1pp |
| Employer contribution / active EE | $626 | $827-24.3% | $1,986-68.5% | $2,042-69.3% |
| Participant deferral / active EE | $850 | $2,147-60.4% | $2,958-71.3% | $3,169-73.2% |
| Admin fee / account holder | $1,351 | $489+176.1% | $5,134-73.7% | $479+181.9% |