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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 | $8,996 | $115,225-92.2% | $100,712-91.1% | $138,895-93.5% |
| Participation rate | 38.5% | 74.3%-35.9pp | 69.3%-30.8pp | 79.9%-41.5pp |
| Annual return | 3.19% | 40.35%-37.2pp | 33.27%-30.1pp | 145.39%-142.2pp |
| Employer contribution / active EE | $0 | $2,771-100.0% | $2,313-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $820 | $4,699-82.5% | $4,085-79.9% | $6,396-87.2% |
| Admin fee / account holder | $792 | $10,844-92.7% | $9,256-91.4% | $12,562-93.7% |