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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 | $19,956 | $78,707-74.6% | $117,861-83.1% | $70,126-71.5% |
| Participation rate | 64.7% | 73.2%-8.5pp | 79.7%-15.0pp | 69.5%-4.8pp |
| Annual return | 11.89% | 23.30%-11.4pp | 335.11%-323.2pp | 73.15%-61.3pp |
| Employer contribution / active EE | $0 | $2,223-100.0% | $3,786-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $1,382 | $3,297-58.1% | $4,482-69.2% | $3,332-58.5% |
| Admin fee / account holder | $1,938 | $5,066-61.8% | $8,021-75.8% | $4,645-58.3% |