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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 | $5,259 | $93,598-94.4% | $135,974-96.1% | $75,173-93.0% |
| Participation rate | 11.1% | 75.2%-64.1pp | 81.9%-70.8pp | 67.2%-56.1pp |
| Annual return | 9.03% | 30.89%-21.9pp | 68.30%-59.3pp | 160.72%-151.7pp |
| Employer contribution / active EE | $0 | $3,538-100.0% | $4,859-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $167 | $6,405-97.4% | $7,760-97.8% | $4,126-96.0% |
| Admin fee / account holder | $806 | $6,978-88.5% | $10,767-92.5% | $5,651-85.7% |