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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 | $2,726 | $63,809-95.7% | $81,353-96.6% | $80,935-96.6% |
| Participation rate | 36.5% | 63.9%-27.4pp | 69.5%-33.0pp | 67.7%-31.1pp |
| Annual return | 8.56% | 16.37%-7.8pp | 24.82%-16.3pp | 35.66%-27.1pp |
| Employer contribution / active EE | $0 | $1,981-100.0% | $2,464-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $694 | $3,093-77.5% | $3,885-82.1% | $4,299-83.8% |
| Admin fee / account holder | $1,328 | $5,686-76.6% | $5,766-77.0% | $6,924-80.8% |