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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 | $12,584 | $103,387-87.8% | $87,102-85.6% | $152,885-91.8% |
| Participation rate | 17.6% | 79.4%-61.7pp | 76.9%-59.2pp | 82.5%-64.8pp |
| Annual return | 7.90% | 28.10%-20.2pp | 28.19%-20.3pp | 345.39%-337.5pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $789 | $4,778-83.5% | $4,048-80.5% | $5,851-86.5% |
| Admin fee / account holder | $2,029 | $12,193-83.4% | $7,491-72.9% | $11,598-82.5% |