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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 | $22,736 | $106,864-78.7% | $147,318-84.6% | $82,637-72.5% |
| Participation rate | 16.4% | 75.5%-59.1pp | 82.1%-65.6pp | 68.1%-51.6pp |
| Annual return | 10.71% | 27.49%-16.8pp | 70.43%-59.7pp | 53.51%-42.8pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,593-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $898 | $6,496-86.2% | $7,906-88.6% | $4,126-78.2% |
| Admin fee / account holder | $2,425 | $8,415-71.2% | $13,708-82.3% | $7,339-67.0% |