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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 | $14,512 | $86,949-83.3% | $102,460-85.8% | $80,959-82.1% |
| Participation rate | 46.7% | 72.4%-25.7pp | 76.5%-29.8pp | 67.7%-21.0pp |
| Annual return | -1.39% | 18.89%-20.3pp | 29.47%-30.9pp | 35.67%-37.1pp |
| Employer contribution / active EE | $816 | $2,370-65.6% | $3,025-73.0% | $2,757-70.4% |
| Participant deferral / active EE | $1,293 | $4,121-68.6% | $5,056-74.4% | $4,300-69.9% |
| Admin fee / account holder | $3,047 | $8,048-62.1% | $9,460-67.8% | $6,925-56.0% |