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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 | $5,038 | $101,778-95.0% | $164,975-96.9% | $80,925-93.8% |
| Participation rate | 22.2% | 71.8%-49.6pp | 78.6%-56.4pp | 67.7%-45.4pp |
| Annual return | 8.27% | 16.73%-8.5pp | 70.12%-61.9pp | 35.65%-27.4pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $517 | $4,477-88.4% | $6,033-91.4% | $4,299-88.0% |
| Admin fee / account holder | $617 | $8,221-92.5% | $12,688-95.1% | $6,940-91.1% |