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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 | $23,072 | $138,386-83.3% | $184,260-87.5% | $80,935-71.5% |
| Participation rate | 67.6% | 83.9%-16.3pp | 86.8%-19.3pp | 67.7%-0.1pp |
| Annual return | 9.21% | 20.02%-10.8pp | 28.84%-19.6pp | 35.66%-26.5pp |
| Employer contribution / active EE | $0 | $4,851-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,033 | $7,076-85.4% | $9,133-88.7% | $4,299-76.0% |
| Admin fee / account holder | $434 | $10,489-95.9% | $13,898-96.9% | $6,924-93.7% |