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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 | $8,499 | $43,496-80.5% | $161,489-94.7% | $64,340-86.8% |
| Participation rate | 40.5% | 53.5%-13.0pp | 78.7%-38.2pp | 55.2%-14.7pp |
| Annual return | 9.21% | 20.76%-11.5pp | 89.72%-80.5pp | 24.14%-14.9pp |
| Employer contribution / active EE | $0 | $1,431-100.0% | $4,268-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $371 | $1,996-81.4% | $5,630-93.4% | $2,980-87.5% |
| Admin fee / account holder | $677 | $2,330-70.9% | $16,006-95.8% | $3,703-81.7% |