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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 | $948 | $57,575-98.4% | $124,067-99.2% | $86,983-98.9% |
| Participation rate | 37.9% | 62.3%-24.3pp | 66.9%-29.0pp | 69.5%-31.6pp |
| Annual return | 4.10% | 19.65%-15.5pp | 31.06%-27.0pp | 25.83%-21.7pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,166-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $358 | $2,623-86.4% | $3,463-89.7% | $4,194-91.5% |
| Admin fee / account holder | $390 | $8,506-95.4% | $7,351-94.7% | $7,856-95.0% |