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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 | $15,807 | $102,385-84.6% | $147,080-89.3% | $80,935-80.5% |
| Participation rate | 23.9% | 75.9%-52.0pp | 82.2%-58.3pp | 67.7%-43.7pp |
| Annual return | 10.98% | 135.09%-124.1pp | 420.17%-409.2pp | 35.66%-24.7pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $672 | $6,651-89.9% | $8,066-91.7% | $4,299-84.4% |
| Admin fee / account holder | $918 | $7,951-88.5% | $12,989-92.9% | $6,924-86.7% |