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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 | $7,614 | $81,276-90.6% | $155,574-95.1% | $80,925-90.6% |
| Participation rate | 11.3% | 66.2%-55.0pp | 78.2%-66.9pp | 67.7%-56.4pp |
| Annual return | 10.19% | 33.36%-23.2pp | 64.87%-54.7pp | 35.65%-25.5pp |
| Employer contribution / active EE | $0 | $3,103-100.0% | $4,676-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $431 | $3,453-87.5% | $5,629-92.3% | $4,299-90.0% |
| Admin fee / account holder | $1,651 | $7,993-79.3% | $15,914-89.6% | $6,940-76.2% |