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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 | $14,880 | $122,063-87.8% | $184,256-91.9% | $74,478-80.0% |
| Participation rate | 12.7% | 85.5%-72.8pp | 86.8%-74.1pp | 67.2%-54.5pp |
| Annual return | 8.22% | 19.92%-11.7pp | 28.85%-20.6pp | 1370.56%-1362.3pp |
| Employer contribution / active EE | $0 | $4,539-100.0% | $6,427-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $190 | $7,144-97.3% | $9,133-97.9% | $4,350-95.6% |
| Admin fee / account holder | $5,989 | $1,253+378.1% | $13,899-56.9% | $1,946+207.8% |