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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 | $7,017 | $46,732-85.0% | $156,551-95.5% | $55,167-87.3% |
| Participation rate | 14.2% | 65.8%-51.6pp | 84.0%-69.9pp | 69.0%-54.8pp |
| Annual return | 3.35% | 17.72%-14.4pp | 32.23%-28.9pp | 169.23%-165.9pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $396 | $2,204-82.0% | $4,871-91.9% | $3,054-87.0% |
| Admin fee / account holder | $307 | $418-26.7% | $13,028-97.6% | $504-39.1% |