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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 | $35,786 | $89,123-59.8% | $102,460-65.1% | $77,762-54.0% |
| Participation rate | 30.7% | 80.9%-50.2pp | 76.5%-45.8pp | 70.6%-39.9pp |
| Annual return | 9.29% | 25.05%-15.8pp | 29.47%-20.2pp | 31.27%-22.0pp |
| Employer contribution / active EE | $1,229 | $2,700-54.5% | $3,025-59.4% | $2,728-55.0% |
| Participant deferral / active EE | $2,037 | $5,148-60.4% | $5,056-59.7% | $4,651-56.2% |
| Admin fee / account holder | $7,571 | $236+3109.7% | $9,460-20.0% | $433+1648.9% |