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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 | $13,785 | $74,552-81.5% | $63,018-78.1% | $69,631-80.2% |
| Participation rate | 6.2% | 78.3%-72.0pp | 74.8%-68.6pp | 70.7%-64.5pp |
| Annual return | 11.18% | 15.77%-4.6pp | 87.62%-76.4pp | 27571.02%-27559.8pp |
| Employer contribution / active EE | $0 | $2,929-100.0% | $2,761-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $369 | $2,974-87.6% | $3,330-88.9% | $3,224-88.6% |
| Admin fee / account holder | $486 | $59+718.2% | $3,601-86.5% | $110+340.2% |