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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 | $6,476 | $61,356-89.4% | $149,696-95.7% | $71,511-90.9% |
| Participation rate | 23.3% | 62.5%-39.2pp | 78.8%-55.4pp | 67.9%-44.6pp |
| Annual return | 0.78% | 35.86%-35.1pp | 134.46%-133.7pp | 28.86%-28.1pp |
| Employer contribution / active EE | $0 | $2,382-100.0% | $4,821-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $833 | $2,920-71.5% | $5,682-85.3% | $4,291-80.6% |
| Admin fee / account holder | $1,033 | $1,263-18.2% | $13,212-92.2% | $1,588-35.0% |