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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 | $17,545 | $72,492-75.8% | $87,102-79.9% | $72,983-76.0% |
| Participation rate | 34.3% | 72.8%-38.5pp | 76.9%-42.5pp | 69.5%-35.2pp |
| Annual return | 15.37% | 24.46%-9.1pp | 28.19%-12.8pp | 81.01%-65.6pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,093 | $3,270-66.6% | $4,048-73.0% | $3,608-69.7% |
| Admin fee / account holder | $351 | $5,055-93.1% | $7,491-95.3% | $5,124-93.1% |