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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 | $7,909 | $81,331-90.3% | $155,534-94.9% | $80,935-90.2% |
| Participation rate | 10.2% | 66.3%-56.0pp | 78.2%-68.0pp | 67.7%-57.5pp |
| Annual return | 10.23% | 33.37%-23.1pp | 64.92%-54.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $0 | $3,105-100.0% | $4,675-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $238 | $3,454-93.1% | $5,630-95.8% | $4,299-94.5% |
| Admin fee / account holder | $479 | $7,999-94.0% | $15,900-97.0% | $6,924-93.1% |