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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 | $55,932-96.2% | $76,735-97.2% | $67,986-96.8% |
| Participation rate | 27.9% | 50.8%-22.9pp | 69.5%-41.6pp | 57.2%-29.3pp |
| Annual return | 8.78% | 23.10%-14.3pp | 29.77%-21.0pp | 31.67%-22.9pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $419 | $2,558-83.6% | $4,088-89.7% | $3,358-87.5% |
| Admin fee / account holder | $479 | $4,907-90.2% | $7,189-93.3% | $3,203-85.0% |