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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 | $23,188 | $86,294-73.1% | $111,303-79.2% | $85,856-73.0% |
| Participation rate | 51.5% | 73.3%-21.8pp | 77.3%-25.8pp | 69.3%-17.8pp |
| Annual return | 7.19% | 19.99%-12.8pp | 54.66%-47.5pp | 318.58%-311.4pp |
| Employer contribution / active EE | $0 | $2,043-100.0% | $2,731-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,519 | $3,641-58.3% | $4,487-66.1% | $3,952-61.6% |
| Admin fee / account holder | $1,368 | $8,189-83.3% | $7,966-82.8% | $6,261-78.2% |