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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 | $7,103 | $48,337-85.3% | $67,560-89.5% | $80,959-91.2% |
| Participation rate | 21.1% | 66.4%-45.4pp | 72.9%-51.9pp | 67.7%-46.6pp |
| Annual return | 10.53% | 18.26%-7.7pp | 3533.50%-3523.0pp | 35.67%-25.1pp |
| Employer contribution / active EE | $0 | $2,023-100.0% | $2,737-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $517 | $2,928-82.3% | $4,004-87.1% | $4,300-88.0% |
| Admin fee / account holder | $673 | $3,695-81.8% | $3,994-83.2% | $6,925-90.3% |