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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 | $18,026 | $95,417-81.1% | $135,974-86.7% | $74,460-75.8% |
| Participation rate | 6.2% | 78.2%-72.0pp | 81.9%-75.7pp | 70.7%-64.5pp |
| Annual return | 11.46% | 32.76%-21.3pp | 68.30%-56.8pp | 34.38%-22.9pp |
| Employer contribution / active EE | $0 | $3,878-100.0% | $4,859-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $535 | $7,789-93.1% | $7,760-93.1% | $4,530-88.2% |
| Admin fee / account holder | $3,528 | $266+1225.5% | $10,767-67.2% | $348+914.3% |