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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 | $9,851 | $114,712-91.4% | $173,730-94.3% | $87,485-88.7% |
| Participation rate | 7.3% | 73.0%-65.7pp | 79.6%-72.3pp | 68.9%-61.6pp |
| Annual return | 11.73% | 20.18%-8.5pp | 19.96%-8.2pp | 26.06%-14.3pp |
| Employer contribution / active EE | $0 | $2,904-100.0% | $4,577-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $311 | $4,642-93.3% | $6,326-95.1% | $4,274-92.7% |
| Admin fee / account holder | $853 | $10,210-91.6% | $17,523-95.1% | $7,775-89.0% |