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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 | $15,346 | $81,446-81.2% | $103,374-85.2% | $80,874-81.0% |
| Participation rate | 38.7% | 66.9%-28.1pp | 74.5%-35.8pp | 67.6%-28.9pp |
| Annual return | 7.49% | 25.57%-18.1pp | 24.89%-17.4pp | 35.62%-28.1pp |
| Employer contribution / active EE | $2,049 | $3,107-34.0% | $3,869-47.0% | $2,756-25.6% |
| Participant deferral / active EE | $779 | $3,870-79.9% | $5,058-84.6% | $4,297-81.9% |
| Admin fee / account holder | $393 | $6,715-94.1% | $8,394-95.3% | $6,935-94.3% |