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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 | $14,263 | $115,931-87.7% | $185,441-92.3% | $86,983-83.6% |
| Participation rate | 67.9% | 73.6%-5.8pp | 80.3%-12.4pp | 69.5%-1.7pp |
| Annual return | 6.68% | 21.47%-14.8pp | 20.16%-13.5pp | 25.83%-19.1pp |
| Employer contribution / active EE | $1,190 | $2,937-59.5% | $4,672-74.5% | $2,584-54.0% |
| Participant deferral / active EE | $1,499 | $4,551-67.1% | $6,152-75.6% | $4,194-64.2% |
| Admin fee / account holder | $1,425 | $10,687-86.7% | $17,890-92.0% | $7,856-81.9% |