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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 | $14,579 | $51,708-71.8% | $106,619-86.3% | $62,881-76.8% |
| Participation rate | 41.3% | 66.9%-25.6pp | 78.0%-36.7pp | 69.3%-28.1pp |
| Annual return | 0.46% | 4.69%-4.2pp | 9.42%-9.0pp | 20.14%-19.7pp |
| Employer contribution / active EE | $0 | $1,764-100.0% | $3,947-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $812 | $2,315-64.9% | $3,930-79.3% | $3,203-74.7% |
| Admin fee / account holder | $657 | $3,349-80.4% | $6,418-89.8% | $4,296-84.7% |