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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 | $37,126 | $109,359-66.1% | $162,185-77.1% | $72,976-49.1% |
| Participation rate | 31.9% | 84.3%-52.3pp | 87.6%-55.6pp | 69.5%-37.6pp |
| Annual return | 14.45% | 25.46%-11.0pp | 115.61%-101.2pp | 81.02%-66.6pp |
| Employer contribution / active EE | $0 | $3,907-100.0% | $5,613-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,015 | $5,481-63.2% | $7,297-72.4% | $3,608-44.2% |
| Admin fee / account holder | $11,326 | $7,972+42.1% | $10,844+4.4% | $5,124+121.0% |