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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 | $11,493 | $71,215-83.9% | $93,696-87.7% | $80,935-85.8% |
| Participation rate | 15.5% | 60.4%-44.9pp | 68.7%-53.2pp | 67.7%-52.2pp |
| Annual return | 7.85% | 11.27%-3.4pp | 133.74%-125.9pp | 35.66%-27.8pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,422-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $701 | $4,037-82.6% | $4,417-84.1% | $4,299-83.7% |
| Admin fee / account holder | $3,417 | $6,958-50.9% | $8,287-58.8% | $6,924-50.7% |