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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 | $12,619 | $106,524-88.2% | $152,301-91.7% | $87,485-85.6% |
| Participation rate | 16.7% | 75.8%-59.1pp | 82.4%-65.8pp | 68.9%-52.3pp |
| Annual return | 13.41% | 26.89%-13.5pp | 80.50%-67.1pp | 26.06%-12.6pp |
| Employer contribution / active EE | $0 | $3,371-100.0% | $4,624-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $704 | $6,525-89.2% | $8,004-91.2% | $4,274-83.5% |
| Admin fee / account holder | $469 | $8,287-94.3% | $14,398-96.7% | $7,775-94.0% |