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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 | $5,165 | $102,828-95.0% | $105,387-95.1% | $152,909-96.6% |
| Participation rate | 50.0% | 83.8%-33.8pp | 82.6%-32.6pp | 82.5%-32.5pp |
| Annual return | 2.91% | 20.85%-17.9pp | 26.82%-23.9pp | 345.46%-342.6pp |
| Employer contribution / active EE | $0 | $4,473-100.0% | $4,213-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $796 | $5,465-85.4% | $5,502-85.5% | $5,851-86.4% |
| Admin fee / account holder | $731 | $8,683-91.6% | $6,559-88.9% | $11,601-93.7% |