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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 | $20,720 | $67,602-69.3% | $82,312-74.8% | $70,126-70.5% |
| Participation rate | 14.3% | 72.8%-58.5pp | 76.9%-62.6pp | 69.5%-55.3pp |
| Annual return | 3.28% | 21.57%-18.3pp | 25.88%-22.6pp | 73.15%-69.9pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $251 | $2,987-91.6% | $3,706-93.2% | $3,332-92.5% |
| Admin fee / account holder | $324 | $4,512-92.8% | $5,608-94.2% | $4,645-93.0% |