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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 | $16,494 | $56,894-71.0% | $84,753-80.5% | $62,881-73.8% |
| Participation rate | 40.8% | 68.5%-27.7pp | 76.6%-35.8pp | 69.3%-28.5pp |
| Annual return | 4.00% | 6.30%-2.3pp | 22.78%-18.8pp | 20.14%-16.1pp |
| Employer contribution / active EE | $1,010 | $2,400-57.9% | $3,574-71.8% | $2,281-55.7% |
| Participant deferral / active EE | $479 | $2,709-82.3% | $3,712-87.1% | $3,203-85.0% |
| Admin fee / account holder | $1,455 | $3,581-59.4% | $5,333-72.7% | $4,296-66.1% |