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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 | $15,565 | $81,487-80.9% | $102,412-84.8% | $80,935-80.8% |
| Participation rate | 53.3% | 66.8%-13.5pp | 74.5%-21.2pp | 67.7%-14.3pp |
| Annual return | 5.42% | 25.60%-20.2pp | 24.94%-19.5pp | 35.66%-30.2pp |
| Employer contribution / active EE | $4,753 | $3,103+53.2% | $3,870+22.8% | $2,757+72.4% |
| Participant deferral / active EE | $1,163 | $3,871-69.9% | $5,060-77.0% | $4,299-72.9% |
| Admin fee / account holder | $5,918 | $6,717-11.9% | $8,388-29.4% | $6,924-14.5% |