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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 | $14,583 | $56,894-74.4% | $84,751-82.8% | $62,891-76.8% |
| Participation rate | 37.5% | 68.5%-31.0pp | 76.6%-39.1pp | 69.3%-31.8pp |
| Annual return | 3.89% | 6.30%-2.4pp | 22.78%-18.9pp | 20.14%-16.3pp |
| Employer contribution / active EE | $609 | $2,400-74.6% | $3,574-83.0% | $2,281-73.3% |
| Participant deferral / active EE | $840 | $2,709-69.0% | $3,712-77.4% | $3,203-73.8% |
| Admin fee / account holder | $415 | $3,581-88.4% | $5,333-92.2% | $4,296-90.3% |