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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 | $21,573 | $87,733-75.4% | $106,551-79.8% | $85,856-74.9% |
| Participation rate | 54.8% | 71.9%-17.2pp | 76.1%-21.4pp | 69.3%-14.6pp |
| Annual return | 8.02% | 21.86%-13.8pp | 26.80%-18.8pp | 318.58%-310.6pp |
| Employer contribution / active EE | $907 | $2,073-56.3% | $2,819-67.8% | $2,565-64.7% |
| Participant deferral / active EE | $1,225 | $3,469-64.7% | $4,398-72.2% | $3,952-69.0% |
| Admin fee / account holder | $484 | $6,767-92.9% | $7,408-93.5% | $6,261-92.3% |