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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 | $4,588 | $57,140-92.0% | $85,240-94.6% | $80,959-94.3% |
| Participation rate | 31.0% | 56.4%-25.4pp | 67.5%-36.5pp | 67.7%-36.6pp |
| Annual return | 9.30% | 21.71%-12.4pp | 66.75%-57.5pp | 35.67%-26.4pp |
| Employer contribution / active EE | $0 | $1,802-100.0% | $2,735-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $478 | $3,115-84.6% | $4,527-89.4% | $4,300-88.9% |
| Admin fee / account holder | $696 | $4,992-86.0% | $6,165-88.7% | $6,925-89.9% |