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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 | $27,332 | $110,137-75.2% | $161,149-83.0% | $82,637-66.9% |
| Participation rate | 35.3% | 72.4%-37.1pp | 78.8%-43.5pp | 68.1%-32.8pp |
| Annual return | 12.10% | 20.69%-8.6pp | 21.16%-9.1pp | 53.51%-41.4pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,254 | $4,575-72.6% | $6,153-79.6% | $4,126-69.6% |
| Admin fee / account holder | $1,823 | $9,467-80.7% | $15,194-88.0% | $7,339-75.2% |