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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 | $19,279 | $77,472-75.1% | $100,392-80.8% | $80,935-76.2% |
| Participation rate | 9.7% | 76.9%-67.3pp | 81.5%-71.8pp | 67.7%-58.0pp |
| Annual return | 7.51% | 37.26%-29.7pp | 49.45%-41.9pp | 35.66%-28.1pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $695 | $6,818-89.8% | $8,090-91.4% | $4,299-83.8% |
| Admin fee / account holder | $4,396 | $5,885-25.3% | $7,904-44.4% | $6,924-36.5% |