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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 | $6,851 | $124,425-94.5% | $112,040-93.9% | $137,256-95.0% |
| Participation rate | 8.7% | 79.3%-70.6pp | 76.5%-67.8pp | 80.0%-71.3pp |
| Annual return | 7.60% | 24.72%-17.1pp | 24.52%-16.9pp | 220.34%-212.7pp |
| Employer contribution / active EE | $0 | $3,411-100.0% | $2,954-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $26 | $5,718-99.5% | $5,098-99.5% | $6,407-99.6% |
| Admin fee / account holder | $751 | $15,207-95.1% | $12,098-93.8% | $12,270-93.9% |