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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 | $14,288 | $106,524-86.6% | $152,301-90.6% | $87,485-83.7% |
| Participation rate | 56.7% | 75.8%-19.1pp | 82.4%-25.8pp | 68.9%-12.3pp |
| Annual return | 4.41% | 26.89%-22.5pp | 80.50%-76.1pp | 26.06%-21.6pp |
| Employer contribution / active EE | $725 | $3,371-78.5% | $4,624-84.3% | $2,596-72.1% |
| Participant deferral / active EE | $1,790 | $6,525-72.6% | $8,004-77.6% | $4,274-58.1% |
| Admin fee / account holder | $2,705 | $8,287-67.4% | $14,398-81.2% | $7,775-65.2% |