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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 | $20,529 | $71,534-71.3% | $98,462-79.2% | $71,529-71.3% |
| Participation rate | 44.4% | 72.7%-28.3pp | 75.2%-30.8pp | 67.9%-23.6pp |
| Annual return | 7.88% | 32.44%-24.6pp | 21.17%-13.3pp | 28.97%-21.1pp |
| Employer contribution / active EE | $780 | $2,399-67.5% | $3,049-74.4% | $2,590-69.9% |
| Participant deferral / active EE | $1,432 | $4,109-65.2% | $4,738-69.8% | $4,291-66.6% |
| Admin fee / account holder | $356 | $1,677-78.8% | $8,875-96.0% | $1,588-77.6% |