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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 | $10,107 | $138,386-92.7% | $184,260-94.5% | $80,935-87.5% |
| Participation rate | 67.9% | 83.9%-16.0pp | 86.8%-19.0pp | 67.7%+0.2pp |
| Annual return | 10.09% | 20.02%-9.9pp | 28.84%-18.7pp | 35.66%-25.6pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $2,151 | $7,076-69.6% | $9,133-76.5% | $4,299-50.0% |
| Admin fee / account holder | $792 | $10,489-92.5% | $13,898-94.3% | $6,924-88.6% |