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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 | $30,247 | $101,795-70.3% | $165,100-81.7% | $80,959-62.6% |
| Participation rate | 3.2% | 71.8%-68.6pp | 78.6%-75.4pp | 67.7%-64.4pp |
| Annual return | 7.14% | 16.73%-9.6pp | 70.21%-63.1pp | 35.67%-28.5pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $79 | $4,476-98.2% | $6,035-98.7% | $4,300-98.2% |
| Admin fee / account holder | $513 | $8,221-93.8% | $12,696-96.0% | $6,925-92.6% |