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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 | $20,959 | $72,492-71.1% | $87,104-75.9% | $72,975-71.3% |
| Participation rate | 30.2% | 72.8%-42.6pp | 76.9%-46.7pp | 69.5%-39.3pp |
| Annual return | 13.63% | 24.46%-10.8pp | 28.19%-14.6pp | 81.01%-67.4pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,521-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $1,436 | $3,270-56.1% | $4,048-64.5% | $3,608-60.2% |
| Admin fee / account holder | $1,589 | $5,055-68.6% | $7,491-78.8% | $5,124-69.0% |