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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 | $17,788 | $77,472-77.0% | $100,415-82.3% | $80,959-78.0% |
| Participation rate | 30.9% | 76.9%-46.1pp | 81.5%-50.6pp | 67.7%-36.8pp |
| Annual return | 10.03% | 37.26%-27.2pp | 49.47%-39.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $0 | $2,800-100.0% | $3,943-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $968 | $6,818-85.8% | $8,091-88.0% | $4,300-77.5% |
| Admin fee / account holder | $559 | $5,885-90.5% | $7,906-92.9% | $6,925-91.9% |