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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 | $12,918 | $89,652-85.6% | $141,191-90.9% | $65,185-80.2% |
| Participation rate | 16.7% | 74.7%-58.0pp | 82.5%-65.8pp | 70.2%-53.5pp |
| Annual return | 18.07% | 32.79%-14.7pp | 71.41%-53.3pp | 29.38%-11.3pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,288 | $5,691-77.4% | $6,710-80.8% | $3,514-63.3% |
| Admin fee / account holder | $1,894 | $569+233.2% | $10,264-81.5% | $847+123.6% |