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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 | $24,796 | $76,696-67.7% | $96,515-74.3% | $71,511-65.3% |
| Participation rate | 20.0% | 66.6%-46.6pp | 74.3%-54.3pp | 67.9%-47.9pp |
| Annual return | 10.80% | 48.32%-37.5pp | 35.73%-24.9pp | 28.86%-18.1pp |
| Employer contribution / active EE | $0 | $3,032-100.0% | $3,740-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $594 | $3,770-84.2% | $4,880-87.8% | $4,291-86.2% |
| Admin fee / account holder | $2,388 | $2,030+17.6% | $6,735-64.6% | $1,588+50.3% |