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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 | $11,481 | $94,436-87.8% | $115,599-90.1% | $82,637-86.1% |
| Participation rate | 60.3% | 70.4%-10.1pp | 74.3%-14.0pp | 68.1%-7.7pp |
| Annual return | 11.65% | 18.37%-6.7pp | 111.10%-99.5pp | 53.51%-41.9pp |
| Employer contribution / active EE | $0 | $2,324-100.0% | $2,955-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,477 | $3,955-62.7% | $4,889-69.8% | $4,126-64.2% |
| Admin fee / account holder | $568 | $10,328-94.5% | $12,841-95.6% | $7,339-92.3% |