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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 | $27,595 | $97,550-71.7% | $120,344-77.1% | $87,485-68.5% |
| Participation rate | 37.2% | 72.8%-35.6pp | 76.7%-39.5pp | 68.9%-31.7pp |
| Annual return | 11.07% | 18.41%-7.3pp | 20.30%-9.2pp | 26.06%-15.0pp |
| Employer contribution / active EE | $0 | $2,291-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $858 | $4,230-79.7% | $5,135-83.3% | $4,274-79.9% |
| Admin fee / account holder | $1,369 | $9,543-85.7% | $12,742-89.3% | $7,775-82.4% |