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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 | $7,622 | $69,823-89.1% | $76,872-90.1% | $74,460-89.8% |
| Participation rate | 15.5% | 70.0%-54.6pp | 69.6%-54.1pp | 70.7%-55.3pp |
| Annual return | 13.58% | 19.99%-6.4pp | 37.90%-24.3pp | 34.38%-20.8pp |
| Employer contribution / active EE | $0 | $2,148-100.0% | $2,533-100.0% | $2,638-100.0% |
| Participant deferral / active EE | $1,306 | $3,558-63.3% | $3,832-65.9% | $4,530-71.2% |
| Admin fee / account holder | $4,127 | $398+938.0% | $5,476-24.6% | $348+1086.8% |