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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 | $3,055 | $211,239-98.6% | $178,528-98.3% | $145,877-97.9% |
| Participation rate | 56.3% | 80.8%-24.5pp | 77.1%-20.9pp | 80.3%-24.1pp |
| Annual return | 3.36% | 30.22%-26.9pp | 27.11%-23.8pp | 551.28%-547.9pp |
| Employer contribution / active EE | $0 | $4,570-100.0% | $3,950-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $955 | $6,963-86.3% | $6,278-84.8% | $6,691-85.7% |
| Admin fee / account holder | $908 | $12,095-92.5% | $10,419-91.3% | $13,402-93.2% |