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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 | $46,688-81.8% | $189,758-95.5% | $69,733-87.8% |
| Participation rate | 40.5% | 61.7%-21.2pp | 79.8%-39.3pp | 62.5%-21.9pp |
| Annual return | 9.21% | 14.35%-5.1pp | 52.62%-43.4pp | 15.22%-6.0pp |
| Employer contribution / active EE | $0 | $1,695-100.0% | $4,767-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $371 | $2,143-82.7% | $5,856-93.7% | $3,054-87.9% |
| Admin fee / account holder | $677 | $1,700-60.2% | $20,388-96.7% | $3,102-78.2% |