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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 | $4,772 | $46,599-89.8% | $64,101-92.6% | $75,173-93.7% |
| Participation rate | 13.9% | 65.9%-52.0pp | 72.3%-58.4pp | 67.2%-53.3pp |
| Annual return | 8.95% | 26.06%-17.1pp | 33.72%-24.8pp | 160.72%-151.8pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $500 | $2,837-82.4% | $3,881-87.1% | $4,126-87.9% |
| Admin fee / account holder | $401 | $2,956-86.4% | $3,070-86.9% | $5,651-92.9% |