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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 | $29,572 | $100,003-70.4% | $146,685-79.8% | $85,856-65.6% |
| Participation rate | 34.8% | 73.1%-38.3pp | 80.1%-45.3pp | 69.3%-34.5pp |
| Annual return | 9.92% | 18.93%-9.0pp | 22.75%-12.8pp | 318.58%-308.7pp |
| Employer contribution / active EE | $644 | $2,559-74.8% | $4,137-84.4% | $2,565-74.9% |
| Participant deferral / active EE | $1,364 | $4,006-66.0% | $5,507-75.2% | $3,952-65.5% |
| Admin fee / account holder | $1,578 | $7,704-79.5% | $10,281-84.7% | $6,261-74.8% |