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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 | $14,098 | $77,472-81.8% | $100,415-86.0% | $80,959-82.6% |
| Participation rate | 52.6% | 76.9%-24.4pp | 81.5%-29.0pp | 67.7%-15.1pp |
| Annual return | 11.91% | 37.26%-25.3pp | 49.47%-37.6pp | 35.67%-23.8pp |
| Employer contribution / active EE | $599 | $2,800-78.6% | $3,943-84.8% | $2,757-78.3% |
| Participant deferral / active EE | $1,116 | $6,818-83.6% | $8,091-86.2% | $4,300-74.0% |
| Admin fee / account holder | $397 | $5,885-93.3% | $7,906-95.0% | $6,925-94.3% |