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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 | $9,429 | $97,289-90.3% | $92,805-89.8% | $155,188-93.9% |
| Participation rate | 57.1% | 84.2%-27.0pp | 83.5%-26.4pp | 80.8%-23.7pp |
| Annual return | 10.03% | 29.03%-19.0pp | 31.59%-21.6pp | 148.84%-138.8pp |
| Employer contribution / active EE | $0 | $3,632-100.0% | $3,424-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,860 | $8,795-78.8% | $8,448-78.0% | $6,531-71.5% |
| Admin fee / account holder | $575 | $12,015-95.2% | $10,911-94.7% | $14,480-96.0% |