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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 | $8,370 | $101,795-91.8% | $165,100-94.9% | $80,959-89.7% |
| Participation rate | 49.1% | 71.8%-22.7pp | 78.6%-29.5pp | 67.7%-18.6pp |
| Annual return | 7.65% | 16.73%-9.1pp | 70.21%-62.6pp | 35.67%-28.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $1,916 | $4,476-57.2% | $6,035-68.3% | $4,300-55.5% |
| Admin fee / account holder | $907 | $8,221-89.0% | $12,696-92.9% | $6,925-86.9% |