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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 | $8,889 | $48,277-81.6% | $67,511-86.8% | $80,874-89.0% |
| Participation rate | 10.8% | 66.4%-55.5pp | 72.9%-62.0pp | 67.6%-56.8pp |
| Annual return | 10.56% | 18.27%-7.7pp | 3517.41%-3506.8pp | 35.62%-25.1pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $2,733-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $696 | $2,926-76.2% | $4,000-82.6% | $4,297-83.8% |
| Admin fee / account holder | $3,209 | $3,687-13.0% | $3,999-19.8% | $6,935-53.7% |