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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 | $2,348 | $98,766-97.6% | $149,730-98.4% | $79,852-97.1% |
| Participation rate | 52.6% | 75.8%-23.2pp | 82.5%-29.8pp | 69.6%-17.0pp |
| Annual return | 9.48% | 27.43%-17.9pp | 276.70%-267.2pp | 31.72%-22.2pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $274 | $5,681-95.2% | $6,843-96.0% | $3,740-92.7% |
| Admin fee / account holder | $303 | $6,052-95.0% | $9,310-96.7% | $5,306-94.3% |