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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 | $10,806 | $166,089-93.5% | $164,928-93.4% | $145,978-92.6% |
| Participation rate | 18.2% | 82.0%-63.8pp | 78.6%-60.4pp | 80.3%-62.1pp |
| Annual return | 8.58% | 100.26%-91.7pp | 70.08%-61.5pp | 550.52%-541.9pp |
| Employer contribution / active EE | $0 | $5,276-100.0% | $4,343-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $617 | $6,961-91.1% | $6,034-89.8% | $6,690-90.8% |
| Admin fee / account holder | $399 | $16,641-97.6% | $12,684-96.9% | $13,400-97.0% |