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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 | $6,806 | $47,848-85.8% | $81,478-91.6% | $70,131-90.3% |
| Participation rate | 19.3% | 58.3%-39.0pp | 68.0%-48.6pp | 69.5%-50.2pp |
| Annual return | 11.62% | 27.25%-15.6pp | 38.78%-27.2pp | 73.14%-61.5pp |
| Employer contribution / active EE | $0 | $1,527-100.0% | $2,568-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $337 | $2,453-86.3% | $3,537-90.5% | $3,332-89.9% |
| Admin fee / account holder | $1,611 | $3,145-48.8% | $4,561-64.7% | $4,645-65.3% |