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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 | $5,468 | $85,766-93.6% | $136,297-96.0% | $70,124-92.2% |
| Participation rate | 42.3% | 74.2%-31.9pp | 81.9%-39.7pp | 69.5%-27.3pp |
| Annual return | 10.41% | 31.45%-21.0pp | 5156.19%-5145.8pp | 73.14%-62.7pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $1,145 | $5,051-77.3% | $6,247-81.7% | $3,332-65.6% |
| Admin fee / account holder | $604 | $5,420-88.9% | $9,244-93.5% | $4,645-87.0% |