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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 | $23,631 | $101,672-76.8% | $147,117-83.9% | $74,478-68.3% |
| Participation rate | 16.8% | 75.5%-58.7pp | 82.2%-65.4pp | 67.2%-50.4pp |
| Annual return | 12.12% | 8757.83%-8745.7pp | 420.54%-408.4pp | 1370.56%-1358.4pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,932-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $1,046 | $7,305-85.7% | $8,065-87.0% | $4,350-76.0% |
| Admin fee / account holder | $845 | $1,753-51.8% | $12,993-93.5% | $1,946-56.6% |