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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 | $101,752-91.8% | $164,928-94.9% | $80,911-89.7% |
| Participation rate | 49.1% | 71.8%-22.8pp | 78.6%-29.5pp | 67.6%-18.6pp |
| Annual return | 7.65% | 16.73%-9.1pp | 70.08%-62.4pp | 35.63%-28.0pp |
| Employer contribution / active EE | $0 | $2,953-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $1,916 | $4,477-57.2% | $6,034-68.2% | $4,297-55.4% |
| Admin fee / account holder | $907 | $8,218-89.0% | $12,684-92.9% | $6,935-86.9% |