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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 | $10,797 | $76,107-85.8% | $96,576-88.8% | $71,495-84.9% |
| Participation rate | 27.9% | 74.4%-46.5pp | 76.0%-48.1pp | 67.9%-40.0pp |
| Annual return | 12.93% | 22.81%-9.9pp | 25.87%-12.9pp | 28.85%-15.9pp |
| Employer contribution / active EE | $0 | $2,247-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $996 | $4,218-76.4% | $4,851-79.5% | $4,291-76.8% |
| Admin fee / account holder | $1,450 | $2,708-46.5% | $8,253-82.4% | $1,588-8.7% |