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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 | $110,137-87.1% | $161,149-91.1% | $82,637-82.7% |
| Participation rate | 67.9% | 72.4%-4.5pp | 78.8%-11.0pp | 68.1%-0.2pp |
| Annual return | 6.68% | 20.69%-14.0pp | 21.16%-14.5pp | 53.51%-46.8pp |
| Employer contribution / active EE | $1,190 | $2,856-58.3% | $4,360-72.7% | $2,552-53.4% |
| Participant deferral / active EE | $1,499 | $4,575-67.2% | $6,153-75.6% | $4,126-63.7% |
| Admin fee / account holder | $1,425 | $9,467-85.0% | $15,194-90.6% | $7,339-80.6% |