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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 | $18,986 | $78,520-75.8% | $96,576-80.3% | $82,448-77.0% |
| Participation rate | 42.9% | 77.7%-34.9pp | 81.4%-38.6pp | 68.1%-25.2pp |
| Annual return | 11.99% | 41.30%-29.3pp | 38.47%-26.5pp | 41.64%-29.6pp |
| Employer contribution / active EE | $1,027 | $2,630-60.9% | $3,553-71.1% | $2,551-59.7% |
| Participant deferral / active EE | $1,786 | $6,754-73.6% | $7,956-77.5% | $4,139-56.8% |
| Admin fee / account holder | $3,698 | $13,455-72.5% | $11,381-67.5% | $7,234-48.9% |