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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 | $3,467 | $73,787-95.3% | $98,716-96.5% | $82,448-95.8% |
| Participation rate | 68.3% | 61.4%+6.9pp | 69.3%-1.0pp | 68.1%+0.2pp |
| Annual return | 5.32% | 18.57%-13.2pp | 31.81%-26.5pp | 41.64%-36.3pp |
| Employer contribution / active EE | $0 | $1,511-100.0% | $2,279-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $951 | $3,081-69.1% | $4,048-76.5% | $4,139-77.0% |
| Admin fee / account holder | $462 | $6,500-92.9% | $8,703-94.7% | $7,234-93.6% |