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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 | $4,621 | $77,901-94.1% | $149,717-96.9% | $75,181-93.9% |
| Participation rate | 13.8% | 65.6%-51.8pp | 78.8%-65.0pp | 67.2%-53.4pp |
| Annual return | 12.11% | 31.73%-19.6pp | 134.41%-122.3pp | 160.69%-148.6pp |
| Employer contribution / active EE | $0 | $3,137-100.0% | $4,820-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $211 | $3,411-93.8% | $5,682-96.3% | $4,126-94.9% |
| Admin fee / account holder | $608 | $5,949-89.8% | $13,213-95.4% | $5,650-89.2% |