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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 | $14,476 | $64,359-77.5% | $90,161-83.9% | $70,124-79.4% |
| Participation rate | 44.1% | 70.4%-26.3pp | 76.9%-32.8pp | 69.5%-25.4pp |
| Annual return | 12.42% | 28.13%-15.7pp | 34.89%-22.5pp | 73.14%-60.7pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $3,318-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $671 | $4,389-84.7% | $5,287-87.3% | $3,332-79.9% |
| Admin fee / account holder | $793 | $3,945-79.9% | $5,943-86.6% | $4,645-82.9% |