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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 | $8,828 | $106,864-91.7% | $147,318-94.0% | $82,637-89.3% |
| Participation rate | 55.2% | 75.5%-20.3pp | 82.1%-26.9pp | 68.1%-12.9pp |
| Annual return | 14.10% | 27.49%-13.4pp | 70.43%-56.3pp | 53.51%-39.4pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,801 | $6,496-72.3% | $7,906-77.2% | $4,126-56.4% |
| Admin fee / account holder | $1,959 | $8,415-76.7% | $13,708-85.7% | $7,339-73.3% |