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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 | $16,094 | $94,436-83.0% | $115,599-86.1% | $82,637-80.5% |
| Participation rate | 21.3% | 70.4%-49.2pp | 74.3%-53.0pp | 68.1%-46.8pp |
| Annual return | 6.22% | 18.37%-12.1pp | 111.10%-104.9pp | 53.51%-47.3pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,117 | $3,955-71.8% | $4,889-77.2% | $4,126-72.9% |
| Admin fee / account holder | $3,012 | $10,328-70.8% | $12,841-76.5% | $7,339-59.0% |