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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 | $6,662 | $54,674-87.8% | $76,089-91.2% | $74,429-91.0% |
| Participation rate | 16.2% | 60.3%-44.1pp | 69.1%-52.9pp | 67.2%-51.0pp |
| Annual return | 9.97% | 31.89%-21.9pp | 360.94%-351.0pp | 1368.38%-1358.4pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,690-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $575 | $3,071-81.3% | $4,259-86.5% | $4,348-86.8% |
| Admin fee / account holder | $2,851 | $2,238+27.4% | $6,418-55.6% | $1,944+46.6% |