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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 | $10,497 | $65,704-84.0% | $94,229-88.9% | $59,633-82.4% |
| Participation rate | 23.1% | 72.1%-49.0pp | 78.8%-55.7pp | 68.7%-45.6pp |
| Annual return | -6.57% | 5.22%-11.8pp | 10.68%-17.3pp | 2041.45%-2048.0pp |
| Employer contribution / active EE | $0 | $2,021-100.0% | $3,587-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $568 | $3,143-81.9% | $4,320-86.9% | $3,192-82.2% |
| Admin fee / account holder | $359 | $4,265-91.6% | $6,269-94.3% | $4,297-91.6% |