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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 | $4,500 | $55,932-92.0% | $76,735-94.1% | $67,986-93.4% |
| Participation rate | 7.7% | 50.8%-43.1pp | 69.5%-61.8pp | 57.2%-49.5pp |
| Annual return | -1.61% | 23.10%-24.7pp | 29.77%-31.4pp | 31.67%-33.3pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $287 | $2,558-88.8% | $4,088-93.0% | $3,358-91.5% |
| Admin fee / account holder | $1,295 | $4,907-73.6% | $7,189-82.0% | $3,203-59.6% |