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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 | $1,811 | $50,919-96.4% | $155,556-98.8% | $77,762-97.7% |
| Participation rate | 10.8% | 63.1%-52.3pp | 78.2%-67.5pp | 70.6%-59.8pp |
| Annual return | 7.20% | 34.84%-27.6pp | 64.84%-57.6pp | 31.27%-24.1pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $149 | $2,824-94.7% | $5,631-97.4% | $4,651-96.8% |
| Admin fee / account holder | $1,228 | $437+181.3% | $15,885-92.3% | $433+183.8% |