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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 | $9,661 | $80,992-88.1% | $96,534-90.0% | $75,173-87.1% |
| Participation rate | 17.4% | 71.8%-54.4pp | 76.0%-58.6pp | 67.2%-49.8pp |
| Annual return | 12.56% | 27.05%-14.5pp | 25.88%-13.3pp | 160.72%-148.2pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $199 | $3,929-94.9% | $4,851-95.9% | $4,126-95.2% |
| Admin fee / account holder | $333 | $6,717-95.0% | $8,253-96.0% | $5,651-94.1% |