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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 | $24,279 | $87,834-72.4% | $133,975-81.9% | $62,881-61.4% |
| Participation rate | 62.1% | 83.4%-21.3pp | 87.1%-25.0pp | 69.3%-7.2pp |
| Annual return | 3.72% | 12.05%-8.3pp | 29.29%-25.6pp | 20.14%-16.4pp |
| Employer contribution / active EE | $0 | $3,482-100.0% | $5,211-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $363 | $4,812-92.5% | $6,282-94.2% | $3,203-88.7% |
| Admin fee / account holder | $652 | $5,372-87.9% | $9,324-93.0% | $4,296-84.8% |