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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 | $11,979 | $77,472-84.5% | $100,392-88.1% | $80,935-85.2% |
| Participation rate | 27.6% | 76.9%-49.4pp | 81.5%-53.9pp | 67.7%-40.1pp |
| Annual return | 8.32% | 37.26%-28.9pp | 49.45%-41.1pp | 35.66%-27.3pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,941-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $696 | $6,818-89.8% | $8,090-91.4% | $4,299-83.8% |
| Admin fee / account holder | $1,982 | $5,885-66.3% | $7,904-74.9% | $6,924-71.4% |