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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 | $10,730 | $88,117-87.8% | $164,928-93.5% | $74,400-85.6% |
| Participation rate | 33.3% | 73.1%-39.8pp | 78.6%-45.3pp | 67.2%-33.9pp |
| Annual return | 10.80% | 17.27%-6.5pp | 70.08%-59.3pp | 1367.51%-1356.7pp |
| Employer contribution / active EE | $0 | $2,596-100.0% | $4,343-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,465 | $4,501-67.5% | $6,034-75.7% | $4,348-66.3% |
| Admin fee / account holder | $890 | $2,230-60.1% | $12,684-93.0% | $1,944-54.2% |