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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 | $10,578 | $59,016-82.1% | $88,179-88.0% | $100,573-89.5% |
| Participation rate | 1.3% | 28.1%-26.8pp | 69.1%-67.8pp | 70.9%-69.6pp |
| Annual return | 8.11% | 14.54%-6.4pp | 64.97%-56.9pp | 18.89%-10.8pp |
| Employer contribution / active EE | $0 | $1,685-100.0% | $2,549-100.0% | $3,763-100.0% |
| Participant deferral / active EE | $52 | $1,701-96.9% | $4,614-98.9% | $4,921-98.9% |
| Admin fee / account holder | $2,481 | $3,465-28.4% | $7,673-67.7% | $454+446.6% |