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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 | $12,150 | $77,472-84.3% | $100,415-87.9% | $80,959-85.0% |
| Participation rate | 66.7% | 76.9%-10.3pp | 81.5%-14.9pp | 67.7%-1.0pp |
| Annual return | 10.84% | 37.26%-26.4pp | 49.47%-38.6pp | 35.67%-24.8pp |
| Employer contribution / active EE | $1,332 | $2,800-52.4% | $3,943-66.2% | $2,757-51.7% |
| Participant deferral / active EE | $1,697 | $6,818-75.1% | $8,091-79.0% | $4,300-60.5% |
| Admin fee / account holder | $2,388 | $5,885-59.4% | $7,906-69.8% | $6,925-65.5% |