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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 | $7,314 | $52,678-86.1% | $75,784-90.3% | $59,633-87.7% |
| Participation rate | 25.8% | 67.2%-41.4pp | 75.8%-50.0pp | 68.7%-42.9pp |
| Annual return | -3.19% | 2.95%-6.1pp | 9.68%-12.9pp | 2041.40%-2044.6pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $3,323-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $800 | $2,591-69.1% | $3,652-78.1% | $3,192-74.9% |
| Admin fee / account holder | $997 | $3,610-72.4% | $5,300-81.2% | $4,297-76.8% |