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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 | $3,356 | $75,807-95.6% | $116,096-97.1% | $86,983-96.1% |
| Participation rate | 63.5% | 66.9%-3.4pp | 73.3%-9.9pp | 69.5%-6.1pp |
| Annual return | 8.59% | 18.57%-10.0pp | 326.25%-317.7pp | 25.83%-17.2pp |
| Employer contribution / active EE | $0 | $1,892-100.0% | $2,503-100.0% | $2,584-100.0% |
| Participant deferral / active EE | $316 | $3,212-90.2% | $3,952-92.0% | $4,194-92.5% |
| Admin fee / account holder | $669 | $6,659-89.9% | $7,704-91.3% | $7,856-91.5% |