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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 | $23,500 | $101,795-76.9% | $165,100-85.8% | $80,959-71.0% |
| Participation rate | 14.7% | 71.8%-57.2pp | 78.6%-64.0pp | 67.7%-53.0pp |
| Annual return | 3.13% | 16.73%-13.6pp | 70.21%-67.1pp | 35.67%-32.5pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,185 | $4,476-73.5% | $6,035-80.4% | $4,300-72.4% |
| Admin fee / account holder | $1,716 | $8,221-79.1% | $12,696-86.5% | $6,925-75.2% |