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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 | $2,146 | $56,121-96.2% | $92,985-97.7% | $64,340-96.7% |
| Participation rate | 27.9% | 44.9%-17.0pp | 69.5%-41.6pp | 55.2%-27.4pp |
| Annual return | 8.78% | 19.19%-10.4pp | 27.99%-19.2pp | 24.14%-15.4pp |
| Employer contribution / active EE | $0 | $1,351-100.0% | $2,662-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $419 | $2,362-82.3% | $4,377-90.4% | $2,980-85.9% |
| Admin fee / account holder | $479 | $6,869-93.0% | $9,463-94.9% | $3,703-87.1% |