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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 | $18,563 | $58,512-68.3% | $84,020-77.9% | $72,983-74.6% |
| Participation rate | 18.8% | 61.2%-42.5pp | 69.0%-50.3pp | 69.5%-50.7pp |
| Annual return | 11.60% | 28.93%-17.3pp | 71.31%-59.7pp | 81.01%-69.4pp |
| Employer contribution / active EE | $0 | $1,163-100.0% | $1,984-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $557 | $2,394-76.7% | $3,239-82.8% | $3,608-84.6% |
| Admin fee / account holder | $14,763 | $4,569+223.1% | $6,101+142.0% | $5,124+188.1% |