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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 | $34,580 | $115,931-70.2% | $185,441-81.4% | $86,983-60.2% |
| Participation rate | 23.5% | 73.6%-50.2pp | 80.3%-56.8pp | 69.5%-46.1pp |
| Annual return | 9.97% | 21.47%-11.5pp | 20.16%-10.2pp | 25.83%-15.9pp |
| Employer contribution / active EE | $0 | $2,937-100.0% | $4,672-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $620 | $4,551-86.4% | $6,152-89.9% | $4,194-85.2% |
| Admin fee / account holder | $6,598 | $10,687-38.3% | $17,890-63.1% | $7,856-16.0% |