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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 | $11,706 | $46,464-74.8% | $150,298-92.2% | $79,634-85.3% |
| Participation rate | 6.7% | 57.0%-50.2pp | 77.8%-71.0pp | 62.5%-55.8pp |
| Annual return | 9.18% | 27.89%-18.7pp | 62.79%-53.6pp | 36.46%-27.3pp |
| Employer contribution / active EE | $0 | $1,512-100.0% | $4,154-100.0% | $2,529-100.0% |
| Participant deferral / active EE | $257 | $2,157-88.1% | $5,453-95.3% | $3,835-93.3% |
| Admin fee / account holder | $903 | $891+1.4% | $14,116-93.6% | $1,002-9.8% |