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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 | $9,953 | $89,515-88.9% | $103,065-90.3% | $80,959-87.7% |
| Participation rate | 57.1% | 76.0%-18.9pp | 80.6%-23.4pp | 67.7%-10.5pp |
| Annual return | 4.46% | 22.82%-18.4pp | 23.95%-19.5pp | 35.67%-31.2pp |
| Employer contribution / active EE | $0 | $4,015-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,481 | $5,463-72.9% | $6,625-77.7% | $4,300-65.6% |
| Admin fee / account holder | $958 | $6,527-85.3% | $9,349-89.8% | $6,925-86.2% |