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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 | $15,367 | $71,197-78.4% | $93,669-83.6% | $80,925-81.0% |
| Participation rate | 17.4% | 60.4%-43.0pp | 68.7%-51.3pp | 67.7%-50.2pp |
| Annual return | 9.53% | 11.27%-1.7pp | 133.59%-124.1pp | 35.65%-26.1pp |
| Employer contribution / active EE | $0 | $1,565-100.0% | $2,424-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $524 | $4,036-87.0% | $4,416-88.1% | $4,299-87.8% |
| Admin fee / account holder | $3,541 | $6,959-49.1% | $8,291-57.3% | $6,940-49.0% |