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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 | $13,110 | $59,535-78.0% | $90,161-85.5% | $62,293-79.0% |
| Participation rate | 14.4% | 73.0%-58.6pp | 76.9%-62.5pp | 69.5%-55.1pp |
| Annual return | 15.09% | 23.53%-8.4pp | 34.89%-19.8pp | 28.90%-13.8pp |
| Employer contribution / active EE | $396 | $1,826-78.3% | $3,318-88.1% | $2,042-80.6% |
| Participant deferral / active EE | $792 | $4,639-82.9% | $5,287-85.0% | $3,169-75.0% |
| Admin fee / account holder | $731 | $337+117.1% | $5,943-87.7% | $479+52.5% |