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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 | $5,118 | $57,541-91.1% | $95,759-94.7% | $75,177-93.2% |
| Participation rate | 22.0% | 62.5%-40.6pp | 72.3%-50.3pp | 67.2%-45.3pp |
| Annual return | 11.86% | 34.93%-23.1pp | 28.42%-16.6pp | 160.75%-148.9pp |
| Employer contribution / active EE | $0 | $1,808-100.0% | $2,836-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $399 | $3,074-87.0% | $4,244-90.6% | $4,126-90.3% |
| Admin fee / account holder | $578 | $4,099-85.9% | $5,678-89.8% | $5,651-89.8% |