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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 | $16,463 | $101,798-83.8% | $165,071-90.0% | $80,935-79.7% |
| Participation rate | 20.7% | 71.8%-51.1pp | 78.6%-57.9pp | 67.7%-47.0pp |
| Annual return | 9.24% | 16.73%-7.5pp | 70.17%-60.9pp | 35.66%-26.4pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,347-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,092 | $4,476-75.6% | $6,035-81.9% | $4,299-74.6% |
| Admin fee / account holder | $666 | $8,221-91.9% | $12,695-94.8% | $6,924-90.4% |