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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 | $62,086-85.7% | $90,259-90.2% | $64,340-86.2% |
| Participation rate | 22.8% | 53.9%-31.1pp | 70.7%-48.0pp | 55.2%-32.5pp |
| Annual return | 7.88% | 16.73%-8.9pp | 18.88%-11.0pp | 24.14%-16.3pp |
| Employer contribution / active EE | $0 | $1,883-100.0% | $2,291-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $770 | $2,557-69.9% | $3,827-79.9% | $2,980-74.2% |
| Admin fee / account holder | $2,645 | $3,317-20.3% | $7,267-63.6% | $3,703-28.6% |