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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 | $17,139 | $108,825-84.3% | $156,181-89.0% | $82,448-79.2% |
| Participation rate | 14.3% | 72.4%-58.1pp | 78.8%-64.5pp | 68.1%-53.8pp |
| Annual return | 2.75% | 20.59%-17.8pp | 64.87%-62.1pp | 41.64%-38.9pp |
| Employer contribution / active EE | $0 | $2,870-100.0% | $4,294-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,109 | $4,577-75.8% | $6,132-81.9% | $4,139-73.2% |
| Admin fee / account holder | $2,651 | $9,341-71.6% | $14,586-81.8% | $7,234-63.3% |