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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 | $5,602 | $78,197-92.8% | $98,090-94.3% | $82,637-93.2% |
| Participation rate | 44.9% | 77.5%-32.6pp | 81.5%-36.7pp | 68.1%-23.2pp |
| Annual return | 2.70% | 40.25%-37.5pp | 37.05%-34.3pp | 53.51%-50.8pp |
| Employer contribution / active EE | $0 | $2,605-100.0% | $3,606-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $2,422 | $6,636-63.5% | $7,845-69.1% | $4,126-41.3% |
| Admin fee / account holder | $681 | $14,832-95.4% | $11,815-94.2% | $7,339-90.7% |