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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 | $5,265 | $215,361-97.6% | $171,082-96.9% | $273,972-98.1% |
| Participation rate | 8.7% | 82.0%-73.3pp | 76.7%-68.0pp | 83.0%-74.3pp |
| Annual return | 0.92% | 25.14%-24.2pp | 32.56%-31.6pp | 41.46%-40.5pp |
| Employer contribution / active EE | $0 | $4,967-100.0% | $4,002-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $104 | $5,543-98.1% | $4,797-97.8% | $5,287-98.0% |
| Admin fee / account holder | $1,544 | $10,846-85.8% | $8,520-81.9% | $10,133-84.8% |