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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 | $20,185 | $105,284-80.8% | $150,734-86.6% | $94,015-78.5% |
| Participation rate | 43.6% | 71.7%-28.1pp | 78.4%-34.8pp | 70.8%-27.2pp |
| Annual return | 9.85% | 15.67%-5.8pp | 600.81%-591.0pp | 17.84%-8.0pp |
| Employer contribution / active EE | $0 | $3,599-100.0% | $4,918-100.0% | $2,790-100.0% |
| Participant deferral / active EE | $274 | $4,274-93.6% | $5,610-95.1% | $4,249-93.6% |
| Admin fee / account holder | $1,010 | $9,839-89.7% | $14,905-93.2% | $8,951-88.7% |