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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 | $20,684 | $73,532-71.9% | $178,505-88.4% | $74,478-72.2% |
| Participation rate | 11.1% | 66.6%-55.5pp | 77.1%-66.1pp | 67.2%-56.2pp |
| Annual return | 5.75% | 17.49%-11.7pp | 27.16%-21.4pp | 1370.56%-1364.8pp |
| Employer contribution / active EE | $0 | $2,221-100.0% | $3,955-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $325 | $4,519-92.8% | $6,280-94.8% | $4,350-92.5% |
| Admin fee / account holder | $2,056 | $1,813+13.4% | $10,428-80.3% | $1,946+5.6% |