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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 | $12,733 | $71,534-82.2% | $98,462-87.1% | $71,529-82.2% |
| Participation rate | 25.5% | 72.7%-47.2pp | 75.2%-49.6pp | 67.9%-42.4pp |
| Annual return | 8.70% | 32.44%-23.7pp | 21.17%-12.5pp | 28.97%-20.3pp |
| Employer contribution / active EE | $0 | $2,399-100.0% | $3,049-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $941 | $4,109-77.1% | $4,738-80.1% | $4,291-78.1% |
| Admin fee / account holder | $687 | $1,677-59.0% | $8,875-92.3% | $1,588-56.8% |