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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 | $106,749-86.6% | $145,433-90.2% | $82,448-82.7% |
| Participation rate | 56.7% | 75.6%-19.0pp | 82.1%-25.5pp | 68.1%-11.4pp |
| Annual return | 4.41% | 27.59%-23.2pp | 66.58%-62.2pp | 41.64%-37.2pp |
| Employer contribution / active EE | $725 | $3,444-78.9% | $4,554-84.1% | $2,551-71.6% |
| Participant deferral / active EE | $1,790 | $6,519-72.5% | $7,897-77.3% | $4,139-56.8% |
| Admin fee / account holder | $2,705 | $8,390-67.8% | $13,129-79.4% | $7,234-62.6% |