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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 | $16,525 | $89,515-81.5% | $103,486-84.0% | $80,935-79.6% |
| Participation rate | 35.5% | 76.0%-40.5pp | 80.5%-45.1pp | 67.7%-32.2pp |
| Annual return | 7.09% | 22.82%-15.7pp | 23.93%-16.8pp | 35.66%-28.6pp |
| Employer contribution / active EE | $1,309 | $4,015-67.4% | $4,679-72.0% | $2,757-52.5% |
| Participant deferral / active EE | $1,725 | $5,463-68.4% | $6,628-74.0% | $4,299-59.9% |
| Admin fee / account holder | $2,004 | $6,527-69.3% | $9,354-78.6% | $6,924-71.1% |