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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 | $14,557 | $79,223-81.6% | $102,460-85.8% | $74,478-80.5% |
| Participation rate | 46.5% | 74.8%-28.2pp | 76.5%-30.0pp | 67.2%-20.7pp |
| Annual return | 9.81% | 54.98%-45.2pp | 29.47%-19.7pp | 1370.56%-1360.7pp |
| Employer contribution / active EE | $0 | $2,363-100.0% | $3,025-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,189 | $4,417-73.1% | $5,056-76.5% | $4,350-72.7% |
| Admin fee / account holder | $1,429 | $2,003-28.7% | $9,460-84.9% | $1,946-26.6% |