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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 | $21,288 | $178,174-88.1% | $156,181-86.4% | $137,256-84.5% |
| Participation rate | 5.9% | 82.0%-76.2pp | 78.8%-72.9pp | 80.0%-74.1pp |
| Annual return | 5.06% | 84.19%-79.1pp | 64.87%-59.8pp | 220.34%-215.3pp |
| Employer contribution / active EE | $0 | $4,972-100.0% | $4,294-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $204 | $6,888-97.0% | $6,132-96.7% | $6,407-96.8% |
| Admin fee / account holder | $1,902 | $17,404-89.1% | $14,586-87.0% | $12,270-84.5% |