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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 | $7,630 | $84,233-90.9% | $170,436-95.5% | $70,131-89.1% |
| Participation rate | 18.4% | 70.8%-52.5pp | 83.6%-65.2pp | 69.5%-51.2pp |
| Annual return | 1.65% | 23.06%-21.4pp | 205.94%-204.3pp | 73.14%-71.5pp |
| Employer contribution / active EE | $0 | $3,387-100.0% | $5,433-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $687 | $3,086-77.7% | $4,939-86.1% | $3,332-79.4% |
| Admin fee / account holder | $863 | $5,698-84.9% | $13,880-93.8% | $4,645-81.4% |