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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 | $5,708 | $81,504-93.0% | $102,437-94.4% | $80,959-92.9% |
| Participation rate | 10.8% | 66.9%-56.1pp | 74.5%-63.8pp | 67.7%-56.9pp |
| Annual return | 9.19% | 25.60%-16.4pp | 24.95%-15.8pp | 35.67%-26.5pp |
| Employer contribution / active EE | $0 | $3,104-100.0% | $3,871-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $337 | $3,871-91.3% | $5,060-93.3% | $4,300-92.2% |
| Admin fee / account holder | $797 | $6,719-88.1% | $8,388-90.5% | $6,925-88.5% |