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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 | $13,005 | $76,834-83.1% | $108,359-88.0% | $87,485-85.1% |
| Participation rate | 20.7% | 61.7%-41.0pp | 70.1%-49.4pp | 68.9%-48.2pp |
| Annual return | 10.82% | 19.09%-8.3pp | 36.89%-26.1pp | 26.06%-15.2pp |
| Employer contribution / active EE | $0 | $1,556-100.0% | $2,399-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $538 | $3,100-82.7% | $4,137-87.0% | $4,274-87.4% |
| Admin fee / account holder | $2,915 | $6,537-55.4% | $9,741-70.1% | $7,775-62.5% |