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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 | $20,035 | $80,992-75.3% | $96,534-79.2% | $75,173-73.3% |
| Participation rate | 31.3% | 71.8%-40.5pp | 76.0%-44.7pp | 67.2%-36.0pp |
| Annual return | 10.53% | 27.05%-16.5pp | 25.88%-15.4pp | 160.72%-150.2pp |
| Employer contribution / active EE | $0 | $2,283-100.0% | $2,965-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $830 | $3,929-78.9% | $4,851-82.9% | $4,126-79.9% |
| Admin fee / account holder | $958 | $6,717-85.7% | $8,253-88.4% | $5,651-83.0% |