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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 | $24,482 | $95,453-74.4% | $112,040-78.1% | $82,448-70.3% |
| Participation rate | 31.0% | 72.8%-41.7pp | 76.5%-45.5pp | 68.1%-37.0pp |
| Annual return | 7.64% | 23.92%-16.3pp | 24.52%-16.9pp | 41.64%-34.0pp |
| Employer contribution / active EE | $0 | $2,318-100.0% | $2,954-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $608 | $4,224-85.6% | $5,098-88.1% | $4,139-85.3% |
| Admin fee / account holder | $2,395 | $9,013-73.4% | $12,098-80.2% | $7,234-66.9% |