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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 | $11,266 | $110,137-89.8% | $161,149-93.0% | $82,637-86.4% |
| Participation rate | 46.7% | 72.4%-25.7pp | 78.8%-32.2pp | 68.1%-21.4pp |
| Annual return | 3.86% | 20.69%-16.8pp | 21.16%-17.3pp | 53.51%-49.6pp |
| Employer contribution / active EE | $0 | $2,856-100.0% | $4,360-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,753 | $4,575-61.7% | $6,153-71.5% | $4,126-57.5% |
| Admin fee / account holder | $1,397 | $9,467-85.2% | $15,194-90.8% | $7,339-81.0% |