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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 | $8,026 | $63,773-87.4% | $81,286-90.1% | $80,925-90.1% |
| Participation rate | 18.2% | 63.9%-45.7pp | 69.5%-51.3pp | 67.7%-49.5pp |
| Annual return | 7.85% | 16.37%-8.5pp | 24.80%-16.9pp | 35.65%-27.8pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,463-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $251 | $3,093-91.9% | $3,883-93.5% | $4,299-94.2% |
| Admin fee / account holder | $614 | $5,682-89.2% | $5,764-89.3% | $6,940-91.1% |