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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 | $18,040 | $58,493-69.2% | $84,023-78.5% | $72,976-75.3% |
| Participation rate | 47.4% | 61.2%-13.9pp | 69.0%-21.7pp | 69.5%-22.1pp |
| Annual return | 16.25% | 28.93%-12.7pp | 71.32%-55.1pp | 81.02%-64.8pp |
| Employer contribution / active EE | $513 | $1,163-55.9% | $1,984-74.2% | $2,440-79.0% |
| Participant deferral / active EE | $670 | $2,394-72.0% | $3,239-79.3% | $3,608-81.4% |
| Admin fee / account holder | $714 | $4,569-84.4% | $6,102-88.3% | $5,124-86.1% |