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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 | $16,672 | $78,015-78.6% | $178,505-90.7% | $80,959-79.4% |
| Participation rate | 30.2% | 65.7%-35.4pp | 77.1%-46.9pp | 67.7%-37.4pp |
| Annual return | 10.42% | 18.10%-7.7pp | 27.16%-16.7pp | 35.67%-25.2pp |
| Employer contribution / active EE | $0 | $2,281-100.0% | $3,955-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,361 | $4,406-69.1% | $6,280-78.3% | $4,300-68.4% |
| Admin fee / account holder | $1,293 | $7,160-81.9% | $10,428-87.6% | $6,925-81.3% |