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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 | $5,037 | $76,407-93.4% | $150,298-96.6% | $82,448-93.9% |
| Participation rate | 52.8% | 66.4%-13.6pp | 77.8%-25.0pp | 68.1%-15.3pp |
| Annual return | 6.04% | 39.99%-34.0pp | 62.79%-56.7pp | 41.64%-35.6pp |
| Employer contribution / active EE | $0 | $2,614-100.0% | $4,154-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $521 | $3,214-83.8% | $5,453-90.4% | $4,139-87.4% |
| Admin fee / account holder | $1,492 | $6,352-76.5% | $14,116-89.4% | $7,234-79.4% |