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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 | $9,168 | $44,898-79.6% | $85,187-89.2% | $199,960-95.4% |
| Participation rate | 1.3% | 45.7%-44.4pp | 67.5%-66.2pp | 72.0%-70.7pp |
| Annual return | 6.61% | 20.98%-14.4pp | 66.67%-60.1pp | 34.28%-27.7pp |
| Employer contribution / active EE | $0 | $1,367-100.0% | $2,732-100.0% | $3,036-100.0% |
| Participant deferral / active EE | $61 | $2,670-97.7% | $4,525-98.6% | $5,087-98.8% |
| Admin fee / account holder | $3,979 | $585+579.6% | $6,162-35.4% | $269+1377.5% |