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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 | $8,870 | $63,904-86.1% | $89,340-90.1% | $67,986-87.0% |
| Participation rate | 22.8% | 54.3%-31.6pp | 69.6%-46.8pp | 57.2%-34.4pp |
| Annual return | 7.88% | 18.09%-10.2pp | 20.57%-12.7pp | 31.67%-23.8pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $770 | $2,691-71.4% | $3,823-79.9% | $3,358-77.1% |
| Admin fee / account holder | $2,645 | $3,315-20.2% | $6,704-60.5% | $3,203-17.4% |