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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 | $2,458 | $76,367-96.8% | $93,614-97.4% | $72,983-96.6% |
| Participation rate | 14.7% | 71.7%-57.0pp | 75.8%-61.1pp | 69.5%-54.8pp |
| Annual return | 2.89% | 25.82%-22.9pp | 32.76%-29.9pp | 81.01%-78.1pp |
| Employer contribution / active EE | $0 | $2,275-100.0% | $2,718-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $222 | $3,538-93.7% | $4,069-94.5% | $3,608-93.8% |
| Admin fee / account holder | $332 | $6,838-95.1% | $7,889-95.8% | $5,124-93.5% |