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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 | $9,373 | $72,607-87.1% | $90,259-89.6% | $87,485-89.3% |
| Participation rate | 19.0% | 64.8%-45.8pp | 70.7%-51.7pp | 68.9%-49.9pp |
| Annual return | 11.55% | 18.59%-7.0pp | 18.88%-7.3pp | 26.06%-14.5pp |
| Employer contribution / active EE | $0 | $1,919-100.0% | $2,291-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $324 | $3,055-89.4% | $3,827-91.5% | $4,274-92.4% |
| Admin fee / account holder | $1,173 | $5,947-80.3% | $7,267-83.9% | $7,775-84.9% |