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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 | $12,511 | $71,215-82.4% | $93,696-86.6% | $80,935-84.5% |
| Participation rate | 53.3% | 60.4%-7.1pp | 68.7%-15.4pp | 67.7%-14.3pp |
| Annual return | 7.12% | 11.27%-4.1pp | 133.74%-126.6pp | 35.66%-28.5pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,132 | $4,037-71.9% | $4,417-74.4% | $4,299-73.7% |
| Admin fee / account holder | $1,924 | $6,958-72.4% | $8,287-76.8% | $6,924-72.2% |