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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 | $26,134 | $86,949-69.9% | $102,460-74.5% | $80,959-67.7% |
| Participation rate | 41.1% | 72.4%-31.3pp | 76.5%-35.4pp | 67.7%-26.6pp |
| Annual return | 10.06% | 18.89%-8.8pp | 29.47%-19.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $866 | $2,370-63.4% | $3,025-71.4% | $2,757-68.6% |
| Participant deferral / active EE | $1,540 | $4,121-62.6% | $5,056-69.5% | $4,300-64.2% |
| Admin fee / account holder | $5,548 | $8,048-31.1% | $9,460-41.4% | $6,925-19.9% |