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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 | $16,446 | $85,766-80.8% | $136,298-87.9% | $70,126-76.5% |
| Participation rate | 16.1% | 74.2%-58.1pp | 81.9%-65.8pp | 69.5%-53.4pp |
| Annual return | 12.68% | 31.46%-18.8pp | 5156.27%-5143.6pp | 73.15%-60.5pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $344 | $5,051-93.2% | $6,247-94.5% | $3,332-89.7% |
| Admin fee / account holder | $2,818 | $5,421-48.0% | $9,244-69.5% | $4,645-39.3% |