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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 | $8,994 | $46,464-80.6% | $150,298-94.0% | $79,634-88.7% |
| Participation rate | 19.1% | 57.0%-37.9pp | 77.8%-58.7pp | 62.5%-43.4pp |
| Annual return | 8.58% | 27.89%-19.3pp | 62.79%-54.2pp | 36.46%-27.9pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $493 | $2,157-77.1% | $5,453-91.0% | $3,835-87.1% |
| Admin fee / account holder | $1,268 | $891+42.4% | $14,116-91.0% | $1,002+26.6% |