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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 | $14,978 | $79,209-81.1% | $102,434-85.4% | $74,459-79.9% |
| Participation rate | 12.0% | 74.8%-62.7pp | 76.5%-64.5pp | 67.2%-55.2pp |
| Annual return | 1.53% | 54.98%-53.4pp | 29.46%-27.9pp | 1369.70%-1368.2pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $875 | $4,417-80.2% | $5,055-82.7% | $4,350-79.9% |
| Admin fee / account holder | $1,154 | $2,002-42.3% | $9,462-87.8% | $1,945-40.6% |