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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 | $14,960 | $67,411-77.8% | $91,004-83.6% | $70,126-78.7% |
| Participation rate | 32.1% | 71.4%-39.3pp | 75.6%-43.5pp | 69.5%-37.5pp |
| Annual return | 10.16% | -40.16%+50.3pp | 4.60%+5.6pp | 73.15%-63.0pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,087 | $2,823-61.5% | $3,548-69.4% | $3,332-67.4% |
| Admin fee / account holder | $2,063 | $4,236-51.3% | $5,417-61.9% | $4,645-55.6% |