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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 | $14,031 | $86,919-83.9% | $102,457-86.3% | $80,911-82.7% |
| Participation rate | 31.0% | 72.4%-41.3pp | 76.5%-45.5pp | 67.6%-36.6pp |
| Annual return | 2.22% | 18.90%-16.7pp | 29.41%-27.2pp | 35.63%-33.4pp |
| Employer contribution / active EE | $0 | $2,368-100.0% | $3,022-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,360 | $4,119-67.0% | $5,054-73.1% | $4,297-68.4% |
| Admin fee / account holder | $4,482 | $8,049-44.3% | $9,451-52.6% | $6,935-35.4% |