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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 | $4,433 | $62,686-92.9% | $178,540-97.5% | $77,736-94.3% |
| Participation rate | 16.7% | 66.9%-50.2pp | 77.1%-60.4pp | 70.6%-53.9pp |
| Annual return | 6.19% | 16.16%-10.0pp | 27.15%-21.0pp | 31.26%-25.1pp |
| Employer contribution / active EE | $0 | $1,914-100.0% | $3,953-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $157 | $4,224-96.3% | $6,281-97.5% | $4,651-96.6% |
| Admin fee / account holder | $673 | $386+74.3% | $10,424-93.5% | $433+55.3% |