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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 | $26,633 | $86,949-69.4% | $102,460-74.0% | $80,959-67.1% |
| Participation rate | 46.7% | 72.4%-25.7pp | 76.5%-29.8pp | 67.7%-21.0pp |
| Annual return | 9.13% | 18.89%-9.8pp | 29.47%-20.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,041 | $2,370-56.1% | $3,025-65.6% | $2,757-62.2% |
| Participant deferral / active EE | $1,703 | $4,121-58.7% | $5,056-66.3% | $4,300-60.4% |
| Admin fee / account holder | $531 | $8,048-93.4% | $9,460-94.4% | $6,925-92.3% |