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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 | $10,532 | $59,804-82.4% | $81,982-87.2% | $79,856-86.8% |
| Participation rate | 25.0% | 61.6%-36.6pp | 69.3%-44.3pp | 69.6%-44.6pp |
| Annual return | 9.50% | 17.56%-8.1pp | 41.31%-31.8pp | 31.71%-22.2pp |
| Employer contribution / active EE | $0 | $1,713-100.0% | $2,498-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $614 | $2,695-77.2% | $3,722-83.5% | $3,741-83.6% |
| Admin fee / account holder | $1,892 | $4,288-55.9% | $5,665-66.6% | $5,306-64.3% |