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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 | $7,599 | $99,994-92.4% | $146,647-94.8% | $85,851-91.1% |
| Participation rate | 25.0% | 73.1%-48.1pp | 80.1%-55.1pp | 69.3%-44.3pp |
| Annual return | 11.02% | 18.93%-7.9pp | 22.75%-11.7pp | 318.63%-307.6pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,255 | $4,006-68.7% | $5,506-77.2% | $3,952-68.2% |
| Admin fee / account holder | $2,036 | $7,703-73.6% | $10,281-80.2% | $6,261-67.5% |