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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 | $5,301 | $70,486-92.5% | $100,528-94.7% | $79,852-93.4% |
| Participation rate | 39.2% | 73.6%-34.4pp | 79.4%-40.2pp | 69.6%-30.4pp |
| Annual return | 10.21% | 21.90%-11.7pp | 30.90%-20.7pp | 31.72%-21.5pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,091 | $5,182-78.9% | $6,271-82.6% | $3,740-70.8% |
| Admin fee / account holder | $846 | $4,480-81.1% | $8,084-89.5% | $5,306-84.1% |