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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 | $8,274 | $54,729-84.9% | $86,235-90.4% | $71,529-88.4% |
| Participation rate | 21.8% | 60.1%-38.3pp | 69.0%-47.1pp | 67.9%-46.1pp |
| Annual return | 5.56% | 20.07%-14.5pp | 1170.03%-1164.5pp | 28.97%-23.4pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,381-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $1,277 | $3,110-59.0% | $3,987-68.0% | $4,291-70.3% |
| Admin fee / account holder | $2,058 | $1,921+7.1% | $6,856-70.0% | $1,588+29.5% |