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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 | $27,785 | $101,795-72.7% | $165,100-83.2% | $80,959-65.7% |
| Participation rate | 61.8% | 71.8%-10.1pp | 78.6%-16.9pp | 67.7%-5.9pp |
| Annual return | 7.77% | 16.73%-9.0pp | 70.21%-62.4pp | 35.67%-27.9pp |
| Employer contribution / active EE | $1,152 | $2,954-61.0% | $4,348-73.5% | $2,757-58.2% |
| Participant deferral / active EE | $1,669 | $4,476-62.7% | $6,035-72.3% | $4,300-61.2% |
| Admin fee / account holder | $3,775 | $8,221-54.1% | $12,696-70.3% | $6,925-45.5% |