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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 | $13,677 | $72,486-81.1% | $87,103-84.3% | $72,976-81.3% |
| Participation rate | 5.3% | 72.8%-67.5pp | 76.9%-71.6pp | 69.5%-64.2pp |
| Annual return | 7.22% | 24.46%-17.2pp | 28.19%-21.0pp | 81.02%-73.8pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $121 | $3,270-96.3% | $4,049-97.0% | $3,608-96.7% |
| Admin fee / account holder | $1,712 | $5,055-66.1% | $7,491-77.2% | $5,124-66.6% |