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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 | $13,285 | $74,535-82.2% | $100,712-86.8% | $82,637-83.9% |
| Participation rate | 20.2% | 61.2%-41.0pp | 69.3%-49.1pp | 68.1%-47.8pp |
| Annual return | 4.88% | 18.92%-14.0pp | 33.27%-28.4pp | 53.51%-48.6pp |
| Employer contribution / active EE | $0 | $1,503-100.0% | $2,313-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $835 | $3,074-72.8% | $4,085-79.6% | $4,126-79.8% |
| Admin fee / account holder | $2,600 | $6,576-60.5% | $9,256-71.9% | $7,339-64.6% |