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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 | $73,459-71.8% | $178,528-88.4% | $74,429-72.2% |
| Participation rate | 11.1% | 66.5%-55.5pp | 77.1%-66.0pp | 67.2%-56.2pp |
| Annual return | 5.75% | 17.50%-11.7pp | 27.11%-21.4pp | 1368.38%-1362.6pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,950-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $325 | $4,515-92.8% | $6,278-94.8% | $4,348-92.5% |
| Admin fee / account holder | $2,056 | $1,812+13.4% | $10,419-80.3% | $1,944+5.7% |