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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 | $15,075 | $79,955-81.1% | $98,450-84.7% | $75,181-79.9% |
| Participation rate | 34.0% | 70.4%-36.4pp | 75.2%-41.2pp | 67.2%-33.2pp |
| Annual return | 11.76% | 19.75%-8.0pp | 21.16%-9.4pp | 160.69%-148.9pp |
| Employer contribution / active EE | $0 | $2,264-100.0% | $3,049-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $903 | $3,752-75.9% | $4,739-80.9% | $4,126-78.1% |
| Admin fee / account holder | $2,100 | $6,841-69.3% | $8,961-76.6% | $5,650-62.8% |