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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 | $11,947 | $59,006-79.8% | $97,197-87.7% | $74,429-83.9% |
| Participation rate | 8.3% | 63.7%-55.4pp | 72.7%-64.4pp | 67.2%-58.9pp |
| Annual return | 8.94% | 16.04%-7.1pp | 75.47%-66.5pp | 1368.38%-1359.4pp |
| Employer contribution / active EE | $0 | $1,894-100.0% | $2,723-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $316 | $3,671-91.4% | $4,263-92.6% | $4,348-92.7% |
| Admin fee / account holder | $1,015 | $1,974-48.6% | $5,637-82.0% | $1,944-47.8% |