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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 | $6,623 | $29,525-77.6% | $56,033-88.2% | $77,736-91.5% |
| Participation rate | 13.8% | 32.7%-18.9pp | 52.5%-38.7pp | 70.6%-56.8pp |
| Annual return | 9.01% | 18.90%-9.9pp | 1711.38%-1702.4pp | 31.26%-22.3pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,041-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $253 | $1,062-76.1% | $1,954-87.0% | $4,651-94.6% |
| Admin fee / account holder | $1,188 | $1,040+14.3% | $2,827-58.0% | $433+174.2% |