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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 | $77,358-75.5% | $102,184-81.4% | $87,485-78.3% |
| Participation rate | 42.9% | 78.7%-35.8pp | 82.6%-39.7pp | 68.9%-26.1pp |
| Annual return | 11.99% | 41.11%-29.1pp | 31.58%-19.6pp | 26.06%-14.1pp |
| Employer contribution / active EE | $1,027 | $2,562-59.9% | $3,594-71.4% | $2,596-60.4% |
| Participant deferral / active EE | $1,786 | $6,753-73.5% | $8,309-78.5% | $4,274-58.2% |
| Admin fee / account holder | $3,698 | $6,809-45.7% | $11,609-68.1% | $7,775-52.4% |