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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 | $5,627 | $55,902-89.9% | $76,030-92.6% | $80,959-93.0% |
| Participation rate | 5.5% | 62.1%-56.6pp | 69.1%-63.6pp | 67.7%-62.2pp |
| Annual return | 6.74% | 20.59%-13.9pp | 361.54%-354.8pp | 35.67%-28.9pp |
| Employer contribution / active EE | $0 | $1,867-100.0% | $2,688-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $207 | $3,051-93.2% | $4,257-95.1% | $4,300-95.2% |
| Admin fee / account holder | $343 | $5,239-93.5% | $6,421-94.7% | $6,925-95.1% |