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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 | $11,622 | $72,027-83.9% | $185,861-93.7% | $79,856-85.4% |
| Participation rate | 19.5% | 65.8%-46.3pp | 78.0%-58.5pp | 69.6%-50.1pp |
| Annual return | 9.53% | 23.13%-13.6pp | 35.96%-26.4pp | 31.71%-22.2pp |
| Employer contribution / active EE | $0 | $1,965-100.0% | $4,088-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $729 | $3,780-80.7% | $5,634-87.1% | $3,741-80.5% |
| Admin fee / account holder | $1,064 | $4,513-76.4% | $9,503-88.8% | $5,306-79.9% |