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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 | $23,329 | $86,949-73.2% | $102,460-77.2% | $80,959-71.2% |
| Participation rate | 14.3% | 72.4%-58.1pp | 76.5%-62.2pp | 67.7%-53.4pp |
| Annual return | 4.04% | 18.89%-14.9pp | 29.47%-25.4pp | 35.67%-31.6pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $771 | $4,121-81.3% | $5,056-84.7% | $4,300-82.1% |
| Admin fee / account holder | $2,178 | $8,048-72.9% | $9,460-77.0% | $6,925-68.5% |