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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 | $11,710 | $51,283-77.2% | $95,740-87.8% | $71,511-83.6% |
| Participation rate | 35.0% | 63.1%-28.1pp | 72.3%-37.2pp | 67.9%-32.9pp |
| Annual return | 13.11% | 25.25%-12.1pp | 28.41%-15.3pp | 28.86%-15.7pp |
| Employer contribution / active EE | $715 | $1,817-60.7% | $2,836-74.8% | $2,589-72.4% |
| Participant deferral / active EE | $748 | $3,365-77.8% | $4,244-82.4% | $4,291-82.6% |
| Admin fee / account holder | $1,050 | $1,135-7.4% | $5,676-81.5% | $1,588-33.9% |