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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 | $5,820 | $71,230-91.8% | $93,727-93.8% | $80,959-92.8% |
| Participation rate | 32.3% | 60.4%-28.1pp | 68.7%-36.5pp | 67.7%-35.4pp |
| Annual return | 5.37% | 11.26%-5.9pp | 133.83%-128.5pp | 35.67%-30.3pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,421-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $625 | $4,037-84.5% | $4,417-85.9% | $4,300-85.5% |
| Admin fee / account holder | $961 | $6,961-86.2% | $8,292-88.4% | $6,925-86.1% |