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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 | $9,612 | $88,360-89.1% | $145,433-93.4% | $67,986-85.9% |
| Participation rate | 35.6% | 65.5%-29.9pp | 82.1%-46.5pp | 57.2%-21.6pp |
| Annual return | 13.06% | 63.15%-50.1pp | 66.58%-53.5pp | 31.67%-18.6pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $1,133 | $5,932-80.9% | $7,897-85.7% | $3,358-66.3% |
| Admin fee / account holder | $1,806 | $3,313-45.5% | $13,129-86.2% | $3,203-43.6% |