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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 | $29,654 | $101,795-70.9% | $165,100-82.0% | $80,959-63.4% |
| Participation rate | 27.5% | 71.8%-44.3pp | 78.6%-51.1pp | 67.7%-40.2pp |
| Annual return | 9.82% | 16.73%-6.9pp | 70.21%-60.4pp | 35.67%-25.8pp |
| Employer contribution / active EE | $818 | $2,954-72.3% | $4,348-81.2% | $2,757-70.3% |
| Participant deferral / active EE | $1,689 | $4,476-62.3% | $6,035-72.0% | $4,300-60.7% |
| Admin fee / account holder | $6,456 | $8,221-21.5% | $12,696-49.1% | $6,925-6.8% |