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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 | $184,014-88.4% | $161,149-86.8% | $138,895-84.7% |
| Participation rate | 5.9% | 82.1%-76.2pp | 78.8%-73.0pp | 79.9%-74.0pp |
| Annual return | 5.06% | 21.52%-16.5pp | 21.16%-16.1pp | 145.39%-140.3pp |
| Employer contribution / active EE | $0 | $5,055-100.0% | $4,360-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $204 | $6,909-97.0% | $6,153-96.7% | $6,396-96.8% |
| Admin fee / account holder | $1,902 | $18,027-89.4% | $15,194-87.5% | $12,562-84.9% |