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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 | $9,816 | $81,476-88.0% | $102,383-90.4% | $80,925-87.9% |
| Participation rate | 16.0% | 66.8%-50.8pp | 74.5%-58.5pp | 67.7%-51.7pp |
| Annual return | 8.53% | 25.59%-17.1pp | 24.94%-16.4pp | 35.65%-27.1pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $3,870-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $953 | $3,871-75.4% | $5,060-81.2% | $4,299-77.8% |
| Admin fee / account holder | $2,273 | $6,717-66.2% | $8,391-72.9% | $6,940-67.3% |