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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 | $20,898 | $91,120-77.1% | $161,149-87.0% | $64,097-67.4% |
| Participation rate | 13.0% | 62.2%-49.2pp | 78.8%-65.9pp | 55.2%-42.2pp |
| Annual return | 11.02% | 17.95%-6.9pp | 21.16%-10.1pp | 34.64%-23.6pp |
| Employer contribution / active EE | $0 | $2,284-100.0% | $4,360-100.0% | $1,891-100.0% |
| Participant deferral / active EE | $682 | $3,708-81.6% | $6,153-88.9% | $3,080-77.9% |
| Admin fee / account holder | $2,411 | $4,535-46.8% | $15,194-84.1% | $3,454-30.2% |