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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 | $4,170 | $88,360-95.3% | $145,433-97.1% | $67,986-93.9% |
| Participation rate | 39.6% | 65.5%-25.9pp | 82.1%-42.6pp | 57.2%-17.7pp |
| Annual return | 2.29% | 63.15%-60.9pp | 66.58%-64.3pp | 31.67%-29.4pp |
| Employer contribution / active EE | $0 | $3,054-100.0% | $4,554-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $935 | $5,932-84.2% | $7,897-88.2% | $3,358-72.2% |
| Admin fee / account holder | $768 | $3,313-76.8% | $13,129-94.2% | $3,203-76.0% |