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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 | $8,131 | $67,411-87.9% | $91,004-91.1% | $70,124-88.4% |
| Participation rate | 23.8% | 71.4%-47.6pp | 75.6%-51.8pp | 69.5%-45.7pp |
| Annual return | 9.42% | -40.16%+49.6pp | 4.60%+4.8pp | 73.14%-63.7pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,011 | $2,823-64.2% | $3,548-71.5% | $3,332-69.7% |
| Admin fee / account holder | $2,388 | $4,236-43.6% | $5,417-55.9% | $4,645-48.6% |