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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 | $14,079 | $76,371-81.6% | $93,621-85.0% | $72,976-80.7% |
| Participation rate | 63.4% | 71.8%-8.3pp | 75.8%-12.4pp | 69.5%-6.1pp |
| Annual return | 16.07% | 25.82%-9.7pp | 32.76%-16.7pp | 81.02%-64.9pp |
| Employer contribution / active EE | $482 | $2,276-78.8% | $2,719-82.3% | $2,440-80.2% |
| Participant deferral / active EE | $965 | $3,538-72.7% | $4,070-76.3% | $3,608-73.3% |
| Admin fee / account holder | $1,948 | $6,839-71.5% | $7,890-75.3% | $5,124-62.0% |