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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 | $14,855 | $80,332-81.5% | $107,187-86.1% | $64,097-76.8% |
| Participation rate | 40.6% | 54.4%-13.8pp | 75.0%-34.4pp | 55.2%-14.6pp |
| Annual return | 8.12% | 24.26%-16.1pp | 204.55%-196.4pp | 34.64%-26.5pp |
| Employer contribution / active EE | $715 | $2,501-71.4% | $3,782-81.1% | $1,891-62.2% |
| Participant deferral / active EE | $991 | $3,109-68.1% | $5,096-80.6% | $3,080-67.8% |
| Admin fee / account holder | $1,248 | $4,314-71.1% | $9,162-86.4% | $3,454-63.9% |