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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 | $8,039 | $60,454-86.7% | $81,844-90.2% | $74,459-89.2% |
| Participation rate | 16.2% | 63.0%-46.8pp | 72.4%-56.2pp | 67.2%-51.0pp |
| Annual return | 7.22% | 16.87%-9.7pp | 778.87%-771.7pp | 1369.70%-1362.5pp |
| Employer contribution / active EE | $0 | $2,630-100.0% | $2,916-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $131 | $3,398-96.2% | $4,323-97.0% | $4,350-97.0% |
| Admin fee / account holder | $532 | $1,490-64.3% | $7,355-92.8% | $1,945-72.6% |