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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 | $14,197 | $185,312-92.3% | $161,489-91.2% | $154,746-90.8% |
| Participation rate | 13.3% | 82.5%-69.1pp | 78.7%-65.4pp | 80.7%-67.4pp |
| Annual return | 9.17% | 103.84%-94.7pp | 89.72%-80.6pp | 172.34%-163.2pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $445 | $6,350-93.0% | $5,630-92.1% | $6,730-93.4% |
| Admin fee / account holder | $547 | $18,654-97.1% | $16,006-96.6% | $14,365-96.2% |