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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 | $9,286 | $45,022-79.4% | $85,126-89.1% | $77,714-88.1% |
| Participation rate | 4.2% | 48.7%-44.5pp | 67.5%-63.4pp | 70.6%-66.4pp |
| Annual return | 9.16% | 79.38%-70.2pp | 66.63%-57.5pp | 31.26%-22.1pp |
| Employer contribution / active EE | $0 | $1,610-100.0% | $2,731-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $279 | $2,811-90.1% | $4,523-93.8% | $4,649-94.0% |
| Admin fee / account holder | $1,008 | $913+10.4% | $6,160-83.6% | $433+132.6% |