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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 | $24,841 | $80,992-69.3% | $96,534-74.3% | $75,173-67.0% |
| Participation rate | 4.3% | 71.8%-67.4pp | 76.0%-71.6pp | 67.2%-62.9pp |
| Annual return | 10.44% | 27.05%-16.6pp | 25.88%-15.4pp | 160.72%-150.3pp |
| Employer contribution / active EE | $900 | $2,283-60.6% | $2,965-69.6% | $2,671-66.3% |
| Participant deferral / active EE | $1,534 | $3,929-61.0% | $4,851-68.4% | $4,126-62.8% |
| Admin fee / account holder | $3,319 | $6,717-50.6% | $8,253-59.8% | $5,651-41.3% |