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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 | $3,644 | $63,809-94.3% | $81,353-95.5% | $80,935-95.5% |
| Participation rate | 31.8% | 63.9%-32.1pp | 69.5%-37.7pp | 67.7%-35.8pp |
| Annual return | 9.70% | 16.37%-6.7pp | 24.82%-15.1pp | 35.66%-26.0pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $467 | $3,093-84.9% | $3,885-88.0% | $4,299-89.1% |
| Admin fee / account holder | $413 | $5,686-92.7% | $5,766-92.8% | $6,924-94.0% |