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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 | $17,626 | $65,364-73.0% | $92,909-81.0% | $72,975-75.8% |
| Participation rate | 58.1% | 68.3%-10.2pp | 76.0%-17.9pp | 69.5%-11.4pp |
| Annual return | 10.57% | 42.11%-31.5pp | 109.44%-98.9pp | 81.01%-70.4pp |
| Employer contribution / active EE | $635 | $2,594-75.5% | $3,653-82.6% | $2,440-74.0% |
| Participant deferral / active EE | $904 | $3,128-71.1% | $4,238-78.7% | $3,608-74.9% |
| Admin fee / account holder | $1,166 | $4,251-72.6% | $5,795-79.9% | $5,124-77.2% |