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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 | $3,860 | $146,267-97.4% | $197,124-98.0% | $82,448-95.3% |
| Participation rate | 25.5% | 84.0%-58.5pp | 86.7%-61.2pp | 68.1%-42.6pp |
| Annual return | 5.91% | 29.61%-23.7pp | 44.34%-38.4pp | 41.64%-35.7pp |
| Employer contribution / active EE | $0 | $4,723-100.0% | $6,227-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $547 | $7,035-92.2% | $9,135-94.0% | $4,139-86.8% |
| Admin fee / account holder | $1,575 | $14,422-89.1% | $16,298-90.3% | $7,234-78.2% |