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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 | $8,479 | $76,551-88.9% | $123,894-93.2% | $62,881-86.5% |
| Participation rate | 65.0% | 73.0%-8.0pp | 81.4%-16.4pp | 69.3%-4.3pp |
| Annual return | 2.51% | 18.68%-16.2pp | 47.52%-45.0pp | 20.14%-17.6pp |
| Employer contribution / active EE | $1,170 | $2,882-59.4% | $4,617-74.7% | $2,281-48.7% |
| Participant deferral / active EE | $1,948 | $4,840-59.7% | $5,984-67.4% | $3,203-39.2% |
| Admin fee / account holder | $333 | $4,826-93.1% | $8,357-96.0% | $4,296-92.3% |