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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 | $13,250 | $86,919-84.8% | $102,457-87.1% | $80,911-83.6% |
| Participation rate | 24.4% | 72.4%-48.0pp | 76.5%-52.1pp | 67.6%-43.3pp |
| Annual return | 7.55% | 18.90%-11.3pp | 29.41%-21.9pp | 35.63%-28.1pp |
| Employer contribution / active EE | $0 | $2,368-100.0% | $3,022-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $937 | $4,119-77.2% | $5,054-81.5% | $4,297-78.2% |
| Admin fee / account holder | $2,215 | $8,049-72.5% | $9,451-76.6% | $6,935-68.1% |