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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 | $25,657 | $70,667-63.7% | $123,105-79.2% | $52,331-51.0% |
| Participation rate | 15.0% | 83.7%-68.7pp | 86.8%-71.7pp | 68.1%-53.1pp |
| Annual return | -1.91% | 6.23%-8.1pp | 13.22%-15.1pp | 4.54%-6.5pp |
| Employer contribution / active EE | $0 | $2,946-100.0% | $5,151-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,601 | $4,493-64.4% | $6,229-74.3% | $3,022-47.0% |
| Admin fee / account holder | $409 | $506-19.3% | $9,014-95.5% | $592-30.9% |