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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 | $1,243 | $93,055-98.7% | $153,741-99.2% | $80,959-98.5% |
| Participation rate | 60.0% | 69.0%-9.0pp | 77.1%-17.1pp | 67.7%-7.7pp |
| Annual return | 5.52% | 19.97%-14.5pp | 15.71%-10.2pp | 35.67%-30.1pp |
| Employer contribution / active EE | $0 | $3,504-100.0% | $5,042-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $673 | $5,172-87.0% | $6,757-90.0% | $4,300-84.3% |
| Admin fee / account holder | $324 | $8,881-96.3% | $12,749-97.5% | $6,925-95.3% |