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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 | $16,545 | $76,551-78.4% | $123,894-86.6% | $62,881-73.7% |
| Participation rate | 13.8% | 73.0%-59.2pp | 81.4%-67.6pp | 69.3%-55.5pp |
| Annual return | 2.08% | 18.68%-16.6pp | 47.52%-45.4pp | 20.14%-18.1pp |
| Employer contribution / active EE | $0 | $2,882-100.0% | $4,617-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,140 | $4,840-76.5% | $5,984-81.0% | $3,203-64.4% |
| Admin fee / account holder | $660 | $4,826-86.3% | $8,357-92.1% | $4,296-84.6% |