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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 | $12,760 | $68,398-81.3% | $94,664-86.5% | $75,173-83.0% |
| Participation rate | 9.3% | 76.1%-66.8pp | 80.8%-71.5pp | 67.2%-57.9pp |
| Annual return | 13.24% | 616.72%-603.5pp | 156.84%-143.6pp | 160.72%-147.5pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $132 | $6,537-98.0% | $7,417-98.2% | $4,126-96.8% |
| Admin fee / account holder | $513 | $5,324-90.4% | $7,222-92.9% | $5,651-90.9% |