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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 | $26,893 | $91,424-70.6% | $135,942-80.2% | $71,495-62.4% |
| Participation rate | 33.1% | 75.7%-42.6pp | 81.9%-48.8pp | 67.9%-34.8pp |
| Annual return | 15.62% | 29.90%-14.3pp | 68.28%-52.7pp | 28.85%-13.2pp |
| Employer contribution / active EE | $0 | $3,704-100.0% | $4,858-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $2,504 | $7,092-64.7% | $7,759-67.7% | $4,291-41.6% |
| Admin fee / account holder | $4,859 | $1,266+283.7% | $10,764-54.9% | $1,588+206.0% |