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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 | $6,799 | $58,099-88.3% | $76,872-91.2% | $75,173-91.0% |
| Participation rate | 16.0% | 63.9%-47.9pp | 69.6%-53.6pp | 67.2%-51.2pp |
| Annual return | 10.41% | 26.71%-16.3pp | 37.90%-27.5pp | 160.72%-150.3pp |
| Employer contribution / active EE | $0 | $1,996-100.0% | $2,533-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $248 | $2,999-91.7% | $3,832-93.5% | $4,126-94.0% |
| Admin fee / account holder | $1,438 | $4,778-69.9% | $5,476-73.7% | $5,651-74.5% |