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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 | $10,561 | $54,679-80.7% | $76,119-86.1% | $74,459-85.8% |
| Participation rate | 23.6% | 60.3%-36.8pp | 69.1%-45.5pp | 67.2%-43.6pp |
| Annual return | 9.82% | 31.90%-22.1pp | 361.25%-351.4pp | 1369.70%-1359.9pp |
| Employer contribution / active EE | $0 | $1,781-100.0% | $2,693-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $543 | $3,072-82.3% | $4,259-87.2% | $4,350-87.5% |
| Admin fee / account holder | $1,752 | $2,238-21.7% | $6,421-72.7% | $1,945-9.9% |