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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 | $32,225 | $109,359-70.5% | $162,177-80.1% | $72,975-55.8% |
| Participation rate | 32.6% | 84.3%-51.6pp | 87.6%-54.9pp | 69.5%-36.9pp |
| Annual return | 15.72% | 25.46%-9.7pp | 115.60%-99.9pp | 81.01%-65.3pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $934 | $5,481-83.0% | $7,297-87.2% | $3,608-74.1% |
| Admin fee / account holder | $6,473 | $7,972-18.8% | $10,843-40.3% | $5,124+26.3% |