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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 | $78,520-92.9% | $96,576-94.2% | $82,448-93.2% |
| Participation rate | 44.9% | 77.7%-32.8pp | 81.4%-36.5pp | 68.1%-23.2pp |
| Annual return | 2.70% | 41.30%-38.6pp | 38.47%-35.8pp | 41.64%-38.9pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $3,553-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $2,422 | $6,754-64.1% | $7,956-69.6% | $4,139-41.5% |
| Admin fee / account holder | $681 | $13,455-94.9% | $11,381-94.0% | $7,234-90.6% |