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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 | $20,517 | $81,487-74.8% | $102,412-80.0% | $80,935-74.7% |
| Participation rate | 30.6% | 66.8%-36.3pp | 74.5%-43.9pp | 67.7%-37.1pp |
| Annual return | 1.71% | 25.60%-23.9pp | 24.94%-23.2pp | 35.66%-33.9pp |
| Employer contribution / active EE | $809 | $3,103-73.9% | $3,870-79.1% | $2,757-70.7% |
| Participant deferral / active EE | $904 | $3,871-76.6% | $5,060-82.1% | $4,299-79.0% |
| Admin fee / account holder | $1,816 | $6,717-73.0% | $8,388-78.4% | $6,924-73.8% |