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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 | $6,047 | $81,262-92.6% | $155,602-96.1% | $80,911-92.5% |
| Participation rate | 18.5% | 66.2%-47.7pp | 78.2%-59.7pp | 67.6%-49.1pp |
| Annual return | 9.40% | 33.34%-23.9pp | 64.81%-55.4pp | 35.63%-26.2pp |
| Employer contribution / active EE | $0 | $3,102-100.0% | $4,675-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $726 | $3,451-79.0% | $5,629-87.1% | $4,297-83.1% |
| Admin fee / account holder | $893 | $7,992-88.8% | $15,923-94.4% | $6,935-87.1% |