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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 | $9,208 | $59,535-84.5% | $90,161-89.8% | $62,293-85.2% |
| Participation rate | 11.2% | 73.0%-61.8pp | 76.9%-65.7pp | 69.5%-58.3pp |
| Annual return | 3.09% | 23.53%-20.4pp | 34.89%-31.8pp | 28.90%-25.8pp |
| Employer contribution / active EE | $0 | $1,826-100.0% | $3,318-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $420 | $4,639-91.0% | $5,287-92.1% | $3,169-86.8% |
| Admin fee / account holder | $1,011 | $337+200.3% | $5,943-83.0% | $479+110.9% |