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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 | $6,178 | $81,446-92.4% | $103,374-94.0% | $80,874-92.4% |
| Participation rate | 18.4% | 66.9%-48.4pp | 74.5%-56.1pp | 67.6%-49.2pp |
| Annual return | 8.96% | 25.57%-16.6pp | 24.89%-15.9pp | 35.62%-26.7pp |
| Employer contribution / active EE | $0 | $3,107-100.0% | $3,869-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,266 | $3,870-67.3% | $5,058-75.0% | $4,297-70.5% |
| Admin fee / account holder | $339 | $6,715-95.0% | $8,394-96.0% | $6,935-95.1% |