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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 | $5,916 | $62,592-90.5% | $85,709-93.1% | $85,847-93.1% |
| Participation rate | 11.5% | 61.1%-49.6pp | 69.9%-58.3pp | 69.3%-57.8pp |
| Annual return | 9.49% | 23.77%-14.3pp | 21.49%-12.0pp | 318.61%-309.1pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,619-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $844 | $2,802-69.9% | $3,924-78.5% | $3,952-78.6% |
| Admin fee / account holder | $1,754 | $4,643-62.2% | $6,876-74.5% | $6,261-72.0% |